id	sid	tid	token	lemma	pos
faba-33	1	1	42	42	NUM
faba-33	1	2	finance	finance	NOUN
faba-33	1	3	,	,	PUNCT
faba-33	1	4	accounting	accounting	NOUN
faba-33	1	5	and	and	CCONJ
faba-33	1	6	business	business	NOUN
faba-33	1	7	analysis	analysis	NOUN
faba-33	1	8	volume	volume	NOUN
faba-33	1	9	2	2	NUM
faba-33	1	10	issue	issue	NOUN
faba-33	1	11	1	1	NUM
faba-33	1	12	,	,	PUNCT
faba-33	1	13	2020	2020	NUM
faba-33	1	14	http://faba.bg	http://faba.bg	VERB
faba-33	1	15	some	some	DET
faba-33	1	16	observations	observation	NOUN
faba-33	1	17	of	of	ADP
faba-33	1	18	bank	bank	NOUN
faba-33	1	19	interest	interest	NOUN
faba-33	1	20	rates	rate	NOUN
faba-33	1	21	and	and	CCONJ
faba-33	1	22	the	the	DET
faba-33	1	23	impact	impact	NOUN
faba-33	1	24	of	of	ADP
faba-33	1	25	negative	negative	ADJ
faba-33	1	26	interest	interest	NOUN
faba-33	1	27	rates	rate	NOUN
faba-33	1	28	diyana	diyana	PROPN
faba-33	1	29	miteva	miteva	PROPN
faba-33	1	30	department	department	PROPN
faba-33	1	31	of	of	ADP
faba-33	1	32	finance	finance	NOUN
faba-33	1	33	,	,	PUNCT
faba-33	1	34	university	university	NOUN
faba-33	1	35	of	of	ADP
faba-33	1	36	national	national	ADJ
faba-33	1	37	and	and	CCONJ
faba-33	1	38	world	world	NOUN
faba-33	1	39	economy	economy	NOUN
faba-33	1	40	,	,	PUNCT
faba-33	1	41	sofia	sofia	PROPN
faba-33	1	42	,	,	PUNCT
faba-33	1	43	bulgaria	bulgaria	PROPN
faba-33	1	44	info	info	NOUN
faba-33	1	45	articles	article	NOUN
faba-33	1	46	abstract	abstract	ADJ
faba-33	1	47	history	history	NOUN
faba-33	1	48	article	article	NOUN
faba-33	1	49	:	:	PUNCT
faba-33	1	50	submitted	submit	VERB
faba-33	1	51	23	23	NUM
faba-33	1	52	january	january	PROPN
faba-33	1	53	2020	2020	NUM
faba-33	1	54	revised	revise	VERB
faba-33	1	55	4	4	NUM
faba-33	1	56	march	march	NOUN
faba-33	1	57	2020	2020	NUM
faba-33	1	58	accepted	accept	VERB
faba-33	1	59	17	17	NUM
faba-33	1	60	may	may	NOUN
faba-33	1	61	2020	2020	NUM
faba-33	1	62	objective	objective	NOUN
faba-33	1	63	:	:	PUNCT
faba-33	1	64	the	the	DET
faba-33	1	65	purpose	purpose	NOUN
faba-33	1	66	of	of	ADP
faba-33	1	67	the	the	DET
faba-33	1	68	paper	paper	NOUN
faba-33	1	69	is	be	AUX
faba-33	1	70	to	to	PART
faba-33	1	71	investigate	investigate	VERB
faba-33	1	72	the	the	DET
faba-33	1	73	impact	impact	NOUN
faba-33	1	74	of	of	ADP
faba-33	1	75	the	the	DET
faba-33	1	76	negative	negative	ADJ
faba-33	1	77	interest	interest	NOUN
faba-33	1	78	rate	rate	NOUN
faba-33	1	79	policy	policy	NOUN
faba-33	1	80	of	of	ADP
faba-33	1	81	the	the	DET
faba-33	1	82	central	central	ADJ
faba-33	1	83	banks	bank	NOUN
faba-33	1	84	on	on	ADP
faba-33	1	85	bank	bank	NOUN
faba-33	1	86	interest	interest	NOUN
faba-33	1	87	rates	rate	NOUN
faba-33	1	88	tracing	trace	VERB
faba-33	1	89	the	the	DET
faba-33	1	90	trendlines	trendline	NOUN
faba-33	1	91	of	of	ADP
faba-33	1	92	interest	interest	NOUN
faba-33	1	93	rates	rate	NOUN
faba-33	1	94	of	of	ADP
faba-33	1	95	deposits	deposit	NOUN
faba-33	1	96	and	and	CCONJ
faba-33	1	97	loans	loan	NOUN
faba-33	1	98	in	in	ADP
faba-33	1	99	short	short	ADJ
faba-33	1	100	and	and	CCONJ
faba-33	1	101	midterm	midterm	NOUN
faba-33	1	102	in	in	ADP
faba-33	1	103	bulgaria	bulgaria	PROPN
faba-33	1	104	and	and	CCONJ
faba-33	1	105	germany	germany	PROPN
faba-33	1	106	.	.	PUNCT
faba-33	2	1	the	the	DET
faba-33	2	2	current	current	ADJ
faba-33	2	3	work	work	NOUN
faba-33	2	4	aims	aim	VERB
faba-33	2	5	to	to	PART
faba-33	2	6	trace	trace	VERB
faba-33	2	7	the	the	DET
faba-33	2	8	power	power	NOUN
faba-33	2	9	of	of	ADP
faba-33	2	10	the	the	DET
faba-33	2	11	correlation	correlation	NOUN
faba-33	2	12	between	between	ADP
faba-33	2	13	deposit	deposit	NOUN
faba-33	2	14	and	and	CCONJ
faba-33	2	15	loans	loan	NOUN
faba-33	2	16	interest	interest	NOUN
faba-33	2	17	rates	rate	NOUN
faba-33	2	18	and	and	CCONJ
faba-33	2	19	to	to	PART
faba-33	2	20	analyze	analyze	VERB
faba-33	2	21	the	the	DET
faba-33	2	22	future	future	ADJ
faba-33	2	23	perspectives	perspective	NOUN
faba-33	2	24	of	of	ADP
faba-33	2	25	the	the	DET
faba-33	2	26	monetary	monetary	ADJ
faba-33	2	27	policy	policy	NOUN
faba-33	2	28	of	of	ADP
faba-33	2	29	the	the	DET
faba-33	2	30	central	central	ADJ
faba-33	2	31	banks	bank	NOUN
faba-33	2	32	in	in	ADP
faba-33	2	33	a	a	DET
faba-33	2	34	situation	situation	NOUN
faba-33	2	35	of	of	ADP
faba-33	2	36	zero	zero	NUM
faba-33	2	37	to	to	ADP
faba-33	2	38	negative	negative	ADJ
faba-33	2	39	interest	interest	NOUN
faba-33	2	40	rates	rate	NOUN
faba-33	2	41	.	.	PUNCT
faba-33	3	1	methodology	methodology	NOUN
faba-33	3	2	:	:	PUNCT
faba-33	3	3	the	the	DET
faba-33	3	4	study	study	NOUN
faba-33	3	5	examines	examine	VERB
faba-33	3	6	158	158	NUM
faba-33	3	7	months	month	NOUN
faba-33	3	8	data	datum	NOUN
faba-33	3	9	observations	observation	NOUN
faba-33	3	10	for	for	ADP
faba-33	3	11	interest	interest	NOUN
faba-33	3	12	rates	rate	NOUN
faba-33	3	13	on	on	ADP
faba-33	3	14	deposits	deposit	NOUN
faba-33	3	15	with	with	ADP
faba-33	3	16	up	up	ADP
faba-33	3	17	to	to	PART
faba-33	3	18	1	1	NUM
faba-33	3	19	and	and	CCONJ
faba-33	3	20	up	up	ADV
faba-33	3	21	to	to	PART
faba-33	3	22	2	2	NUM
faba-33	3	23	year	year	NOUN
faba-33	3	24	maturity	maturity	NOUN
faba-33	3	25	and	and	CCONJ
faba-33	3	26	loans	loan	NOUN
faba-33	3	27	with	with	ADP
faba-33	3	28	maturity	maturity	NOUN
faba-33	3	29	1	1	NUM
faba-33	3	30	-	-	SYM
faba-33	3	31	5	5	NUM
faba-33	3	32	years	year	NOUN
faba-33	3	33	for	for	ADP
faba-33	3	34	households	household	NOUN
faba-33	3	35	and	and	CCONJ
faba-33	3	36	for	for	ADP
faba-33	3	37	non	non	ADJ
faba-33	3	38	-	-	ADJ
faba-33	3	39	financial	financial	ADJ
faba-33	3	40	corporations	corporation	NOUN
faba-33	3	41	in	in	ADP
faba-33	3	42	bulgaria	bulgaria	PROPN
faba-33	3	43	and	and	CCONJ
faba-33	3	44	germany	germany	PROPN
faba-33	3	45	using	use	VERB
faba-33	3	46	descriptive	descriptive	ADJ
faba-33	3	47	statistics	statistic	NOUN
faba-33	3	48	,	,	PUNCT
faba-33	3	49	correlation	correlation	NOUN
faba-33	3	50	and	and	CCONJ
faba-33	3	51	regression	regression	NOUN
faba-33	3	52	analyses	analysis	NOUN
faba-33	3	53	.	.	PUNCT
faba-33	4	1	also	also	ADV
faba-33	4	2	,	,	PUNCT
faba-33	4	3	the	the	DET
faba-33	4	4	correlation	correlation	NOUN
faba-33	4	5	between	between	ADP
faba-33	4	6	deposit	deposit	NOUN
faba-33	4	7	rates	rate	NOUN
faba-33	4	8	and	and	CCONJ
faba-33	4	9	credit	credit	NOUN
faba-33	4	10	card	card	NOUN
faba-33	4	11	rates	rate	NOUN
faba-33	4	12	is	be	AUX
faba-33	4	13	studied	study	VERB
faba-33	4	14	.	.	PUNCT
faba-33	5	1	results	result	NOUN
faba-33	5	2	:	:	PUNCT
faba-33	5	3	it	it	PRON
faba-33	5	4	is	be	AUX
faba-33	5	5	found	find	VERB
faba-33	5	6	that	that	SCONJ
faba-33	5	7	there	there	PRON
faba-33	5	8	is	be	VERB
faba-33	5	9	a	a	DET
faba-33	5	10	much	much	ADV
faba-33	5	11	stronger	strong	ADJ
faba-33	5	12	correlation	correlation	NOUN
faba-33	5	13	between	between	ADP
faba-33	5	14	short	short	ADJ
faba-33	5	15	term	term	NOUN
faba-33	5	16	deposit	deposit	NOUN
faba-33	5	17	interest	interest	NOUN
faba-33	5	18	rates	rate	NOUN
faba-33	5	19	and	and	CCONJ
faba-33	5	20	short	short	ADJ
faba-33	5	21	to	to	ADP
faba-33	5	22	mid	mid	ADJ
faba-33	5	23	-	-	NOUN
faba-33	5	24	term	term	NOUN
faba-33	5	25	loans	loan	NOUN
faba-33	5	26	for	for	ADP
faba-33	5	27	non	non	ADJ
faba-33	5	28	-	-	ADJ
faba-33	5	29	financial	financial	ADJ
faba-33	5	30	corporations	corporation	NOUN
faba-33	5	31	than	than	ADP
faba-33	5	32	for	for	ADP
faba-33	5	33	households	household	NOUN
faba-33	5	34	in	in	ADP
faba-33	5	35	bulgaria	bulgaria	PROPN
faba-33	5	36	and	and	CCONJ
faba-33	5	37	germany	germany	PROPN
faba-33	5	38	.	.	PUNCT
faba-33	6	1	zero	zero	NUM
faba-33	6	2	lower	lower	ADV
faba-33	6	3	bound	bind	VERB
faba-33	6	4	for	for	ADP
faba-33	6	5	interest	interest	NOUN
faba-33	6	6	rates	rate	NOUN
faba-33	6	7	in	in	ADP
faba-33	6	8	deposits	deposit	NOUN
faba-33	6	9	in	in	ADP
faba-33	6	10	bulgaria	bulgaria	PROPN
faba-33	6	11	exists	exist	VERB
faba-33	6	12	for	for	ADP
faba-33	6	13	deposits	deposit	NOUN
faba-33	6	14	of	of	ADP
faba-33	6	15	households	household	NOUN
faba-33	6	16	,	,	PUNCT
faba-33	6	17	where	where	SCONJ
faba-33	6	18	for	for	ADP
faba-33	6	19	a	a	DET
faba-33	6	20	long	long	ADJ
faba-33	6	21	period	period	NOUN
faba-33	6	22	they	they	PRON
faba-33	6	23	stay	stay	VERB
faba-33	6	24	on	on	ADP
faba-33	6	25	level	level	NOUN
faba-33	6	26	of	of	ADP
faba-33	6	27	0	0	NUM
faba-33	6	28	%	%	NOUN
faba-33	6	29	.	.	PUNCT
faba-33	7	1	on	on	ADP
faba-33	7	2	the	the	DET
faba-33	7	3	other	other	ADJ
faba-33	7	4	hand	hand	NOUN
faba-33	7	5	,	,	PUNCT
faba-33	7	6	the	the	DET
faba-33	7	7	zero	zero	NUM
faba-33	7	8	lower	lower	ADV
faba-33	7	9	bound	bind	VERB
faba-33	7	10	breaks	break	NOUN
faba-33	7	11	for	for	ADP
faba-33	7	12	non	non	ADJ
faba-33	7	13	-	-	ADJ
faba-33	7	14	financial	financial	ADJ
faba-33	7	15	corporations	corporation	NOUN
faba-33	7	16	’	'	PUNCT
faba-33	7	17	deposits	deposit	NOUN
faba-33	7	18	in	in	ADP
faba-33	7	19	bulgaria	bulgaria	PROPN
faba-33	7	20	just	just	ADV
faba-33	7	21	in	in	ADP
faba-33	7	22	the	the	DET
faba-33	7	23	last	last	ADJ
faba-33	7	24	year	year	NOUN
faba-33	7	25	.	.	PUNCT
faba-33	8	1	the	the	DET
faba-33	8	2	interest	interest	NOUN
faba-33	8	3	rates	rate	NOUN
faba-33	8	4	on	on	ADP
faba-33	8	5	deposits	deposit	NOUN
faba-33	8	6	in	in	ADP
faba-33	8	7	both	both	DET
faba-33	8	8	countries	country	NOUN
faba-33	8	9	show	show	VERB
faba-33	8	10	rather	rather	ADV
faba-33	8	11	low	low	ADJ
faba-33	8	12	correlation	correlation	NOUN
faba-33	8	13	impact	impact	NOUN
faba-33	8	14	on	on	ADP
faba-33	8	15	consumption	consumption	NOUN
faba-33	8	16	loans	loan	NOUN
faba-33	8	17	for	for	ADP
faba-33	8	18	households	household	NOUN
faba-33	8	19	.	.	PUNCT
faba-33	9	1	it	it	PRON
faba-33	9	2	is	be	AUX
faba-33	9	3	found	find	VERB
faba-33	9	4	that	that	SCONJ
faba-33	9	5	there	there	PRON
faba-33	9	6	is	be	VERB
faba-33	9	7	no	no	DET
faba-33	9	8	or	or	CCONJ
faba-33	9	9	very	very	ADV
faba-33	9	10	weak	weak	ADJ
faba-33	9	11	correlation	correlation	NOUN
faba-33	9	12	between	between	ADP
faba-33	9	13	deposit	deposit	NOUN
faba-33	9	14	rates	rate	NOUN
faba-33	9	15	and	and	CCONJ
faba-33	9	16	credit	credit	NOUN
faba-33	9	17	card	card	NOUN
faba-33	9	18	rates	rate	NOUN
faba-33	9	19	in	in	ADP
faba-33	9	20	.	.	PUNCT
faba-33	10	1	in	in	ADP
faba-33	10	2	general	general	ADJ
faba-33	10	3	,	,	PUNCT
faba-33	10	4	the	the	DET
faba-33	10	5	volume	volume	NOUN
faba-33	10	6	of	of	ADP
faba-33	10	7	deposits	deposit	NOUN
faba-33	10	8	is	be	AUX
faba-33	10	9	not	not	PART
faba-33	10	10	correlated	correlate	VERB
faba-33	10	11	to	to	ADP
faba-33	10	12	the	the	DET
faba-33	10	13	interest	interest	NOUN
faba-33	10	14	rates	rate	NOUN
faba-33	10	15	.	.	PUNCT
faba-33	11	1	implication	implication	NOUN
faba-33	11	2	:	:	PUNCT
faba-33	11	3	the	the	DET
faba-33	11	4	study	study	NOUN
faba-33	11	5	’s	’s	PART
faba-33	11	6	results	result	NOUN
faba-33	11	7	are	be	AUX
faba-33	11	8	beneficial	beneficial	ADJ
faba-33	11	9	indicator	indicator	NOUN
faba-33	11	10	in	in	ADP
faba-33	11	11	terms	term	NOUN
faba-33	11	12	of	of	ADP
faba-33	11	13	the	the	DET
faba-33	11	14	existing	exist	VERB
faba-33	11	15	negative	negative	ADJ
faba-33	11	16	interest	interest	NOUN
faba-33	11	17	rate	rate	NOUN
faba-33	11	18	policy	policy	NOUN
faba-33	11	19	and	and	CCONJ
faba-33	11	20	how	how	SCONJ
faba-33	11	21	it	it	PRON
faba-33	11	22	influences	influence	VERB
faba-33	11	23	the	the	DET
faba-33	11	24	nominal	nominal	ADJ
faba-33	11	25	bank	bank	NOUN
faba-33	11	26	interest	interest	NOUN
faba-33	11	27	rates	rate	NOUN
faba-33	11	28	and	and	CCONJ
faba-33	11	29	how	how	SCONJ
faba-33	11	30	the	the	DET
faba-33	11	31	deposit	deposit	NOUN
faba-33	11	32	interest	interest	NOUN
faba-33	11	33	rates	rate	NOUN
faba-33	11	34	correlate	correlate	VERB
faba-33	11	35	to	to	ADP
faba-33	11	36	loans	loan	NOUN
faba-33	11	37	interest	interest	NOUN
faba-33	11	38	rates	rate	NOUN
faba-33	11	39	in	in	ADP
faba-33	11	40	a	a	DET
faba-33	11	41	time	time	NOUN
faba-33	11	42	of	of	ADP
faba-33	11	43	such	such	ADJ
faba-33	11	44	policy	policy	NOUN
faba-33	11	45	.	.	PUNCT
faba-33	12	1	important	important	ADJ
faba-33	12	2	conclusions	conclusion	NOUN
faba-33	12	3	are	be	AUX
faba-33	12	4	made	make	VERB
faba-33	12	5	on	on	ADP
faba-33	12	6	a	a	DET
faba-33	12	7	basis	basis	NOUN
faba-33	12	8	of	of	ADP
faba-33	12	9	the	the	DET
faba-33	12	10	analysis	analysis	NOUN
faba-33	12	11	in	in	ADP
faba-33	12	12	regard	regard	NOUN
faba-33	12	13	the	the	DET
faba-33	12	14	future	future	NOUN
faba-33	12	15	of	of	ADP
faba-33	12	16	the	the	DET
faba-33	12	17	monetary	monetary	ADJ
faba-33	12	18	policy	policy	NOUN
faba-33	12	19	in	in	ADP
faba-33	12	20	the	the	DET
faba-33	12	21	beginning	beginning	NOUN
faba-33	12	22	of	of	ADP
faba-33	12	23	one	one	NUM
faba-33	12	24	of	of	ADP
faba-33	12	25	the	the	DET
faba-33	12	26	biggest	big	ADJ
faba-33	12	27	crises	crisis	NOUN
faba-33	12	28	the	the	DET
faba-33	12	29	society	society	NOUN
faba-33	12	30	has	have	AUX
faba-33	12	31	faced	face	VERB
faba-33	12	32	.	.	PUNCT
faba-33	13	1	keywords	keyword	NOUN
faba-33	13	2	:	:	PUNCT
faba-33	13	3	negative	negative	ADJ
faba-33	13	4	interest	interest	NOUN
faba-33	13	5	rates	rate	NOUN
faba-33	13	6	,	,	PUNCT
faba-33	13	7	deposit	deposit	NOUN
faba-33	13	8	interest	interest	NOUN
faba-33	13	9	,	,	PUNCT
faba-33	13	10	loan	loan	NOUN
faba-33	13	11	interest	interest	NOUN
faba-33	13	12	rates	rate	NOUN
faba-33	13	13	address	address	VERB
faba-33	13	14	correspondence	correspondence	NOUN
faba-33	13	15	:	:	PUNCT
faba-33	14	1	e	e	X
faba-33	14	2	-	-	NOUN
faba-33	14	3	mail	mail	NOUN
faba-33	14	4	:	:	PUNCT
faba-33	14	5	miteva_diyana@yahoo.com	miteva_diyana@yahoo.com	PROPN
faba-33	14	6	diyana	diyana	PROPN
faba-33	14	7	miteva	miteva	PROPN
faba-33	14	8	/	/	SYM
faba-33	14	9	finance	finance	NOUN
faba-33	14	10	,	,	PUNCT
faba-33	14	11	accounting	accounting	NOUN
faba-33	14	12	and	and	CCONJ
faba-33	14	13	business	business	NOUN
faba-33	14	14	analysis	analysis	NOUN
faba-33	14	15	2	2	NUM
faba-33	14	16	(	(	PUNCT
faba-33	14	17	1	1	NUM
faba-33	14	18	)	)	PUNCT
faba-33	14	19	2020	2020	NUM
faba-33	14	20	43	43	NUM
faba-33	14	21	introduction	introduction	NOUN
faba-33	14	22	following	follow	VERB
faba-33	14	23	the	the	DET
faba-33	14	24	financial	financial	ADJ
faba-33	14	25	crisis	crisis	NOUN
faba-33	14	26	of	of	ADP
faba-33	14	27	2007	2007	NUM
faba-33	14	28	-	-	SYM
faba-33	14	29	2009	2009	NUM
faba-33	14	30	and	and	CCONJ
faba-33	14	31	measures	measure	NOUN
faba-33	14	32	taken	take	VERB
faba-33	14	33	by	by	ADP
faba-33	14	34	the	the	DET
faba-33	14	35	central	central	ADJ
faba-33	14	36	banks	bank	NOUN
faba-33	14	37	to	to	PART
faba-33	14	38	help	help	VERB
faba-33	14	39	the	the	DET
faba-33	14	40	economy	economy	NOUN
faba-33	14	41	,	,	PUNCT
faba-33	14	42	monetary	monetary	ADJ
faba-33	14	43	policy	policy	NOUN
faba-33	14	44	rates	rate	NOUN
faba-33	14	45	crossed	cross	VERB
faba-33	14	46	the	the	DET
faba-33	14	47	zero	zero	NUM
faba-33	14	48	-	-	PUNCT
faba-33	14	49	lower	low	ADJ
faba-33	14	50	bound	bind	VERB
faba-33	14	51	.	.	PUNCT
faba-33	15	1	ever	ever	ADV
faba-33	15	2	since	since	SCONJ
faba-33	15	3	2014	2014	NUM
faba-33	15	4	when	when	SCONJ
faba-33	15	5	the	the	DET
faba-33	15	6	first	first	ADJ
faba-33	15	7	negative	negative	ADJ
faba-33	15	8	interest	interest	NOUN
faba-33	15	9	rates	rate	NOUN
faba-33	15	10	appeared	appear	VERB
faba-33	15	11	discussions	discussion	NOUN
faba-33	15	12	have	have	AUX
faba-33	15	13	been	be	AUX
faba-33	15	14	on	on	ADP
faba-33	15	15	for	for	ADP
faba-33	15	16	the	the	DET
faba-33	15	17	impact	impact	NOUN
faba-33	15	18	and	and	CCONJ
faba-33	15	19	role	role	NOUN
faba-33	15	20	of	of	ADP
faba-33	15	21	this	this	DET
faba-33	15	22	unprecedent	unprecedent	NOUN
faba-33	15	23	policy	policy	NOUN
faba-33	15	24	.	.	PUNCT
faba-33	16	1	the	the	DET
faba-33	16	2	core	core	ADJ
faba-33	16	3	theoretical	theoretical	ADJ
faba-33	16	4	assumptions	assumption	NOUN
faba-33	16	5	are	be	AUX
faba-33	16	6	no	no	ADV
faba-33	16	7	longer	long	ADV
faba-33	16	8	in	in	ADP
faba-33	16	9	place	place	NOUN
faba-33	16	10	as	as	SCONJ
faba-33	16	11	the	the	DET
faba-33	16	12	relationship	relationship	NOUN
faba-33	16	13	of	of	ADP
faba-33	16	14	interest	interest	NOUN
faba-33	16	15	rates	rate	NOUN
faba-33	16	16	with	with	ADP
faba-33	16	17	savings	saving	NOUN
faba-33	16	18	,	,	PUNCT
faba-33	16	19	lending	lending	NOUN
faba-33	16	20	,	,	PUNCT
faba-33	16	21	investment	investment	NOUN
faba-33	16	22	,	,	PUNCT
faba-33	16	23	pensions	pension	NOUN
faba-33	16	24	,	,	PUNCT
faba-33	16	25	etc	etc	X
faba-33	16	26	.	.	X
faba-33	16	27	is	be	AUX
faba-33	16	28	no	no	ADV
faba-33	16	29	longer	long	ADV
faba-33	16	30	active	active	ADJ
faba-33	16	31	.	.	PUNCT
faba-33	17	1	the	the	DET
faba-33	17	2	psychological	psychological	ADJ
faba-33	17	3	effect	effect	NOUN
faba-33	17	4	of	of	ADP
faba-33	17	5	negative	negative	ADJ
faba-33	17	6	interest	interest	NOUN
faba-33	17	7	rates	rate	NOUN
faba-33	17	8	is	be	AUX
faba-33	17	9	also	also	ADV
faba-33	17	10	importantit	importantit	NOUN
faba-33	17	11	is	be	AUX
faba-33	17	12	hard	hard	ADJ
faba-33	17	13	and	and	CCONJ
faba-33	17	14	unlogic	unlogic	ADJ
faba-33	17	15	to	to	PART
faba-33	17	16	be	be	AUX
faba-33	17	17	understood	understand	VERB
faba-33	17	18	by	by	ADP
faba-33	17	19	people	people	NOUN
faba-33	17	20	and	and	CCONJ
faba-33	17	21	even	even	ADV
faba-33	17	22	harder	hard	ADJ
faba-33	17	23	to	to	PART
faba-33	17	24	be	be	AUX
faba-33	17	25	analyzed	analyze	VERB
faba-33	17	26	and	and	CCONJ
faba-33	17	27	researchers	researcher	NOUN
faba-33	17	28	.	.	PUNCT
faba-33	18	1	not	not	PART
faba-33	18	2	only	only	ADV
faba-33	18	3	the	the	DET
faba-33	18	4	appearance	appearance	NOUN
faba-33	18	5	of	of	ADP
faba-33	18	6	negative	negative	ADJ
faba-33	18	7	interest	interest	NOUN
faba-33	18	8	rates	rate	NOUN
faba-33	18	9	is	be	AUX
faba-33	18	10	significant	significant	ADJ
faba-33	18	11	but	but	CCONJ
faba-33	18	12	nowadays	nowadays	ADV
faba-33	18	13	it	it	PRON
faba-33	18	14	is	be	AUX
faba-33	18	15	rather	rather	ADV
faba-33	18	16	the	the	DET
faba-33	18	17	fact	fact	NOUN
faba-33	18	18	that	that	SCONJ
faba-33	18	19	they	they	PRON
faba-33	18	20	have	have	AUX
faba-33	18	21	been	be	AUX
faba-33	18	22	in	in	ADP
faba-33	18	23	place	place	NOUN
faba-33	18	24	almost	almost	ADV
faba-33	18	25	6	6	NUM
faba-33	18	26	years	year	NOUN
faba-33	18	27	which	which	PRON
faba-33	18	28	means	mean	VERB
faba-33	18	29	that	that	SCONJ
faba-33	18	30	living	live	VERB
faba-33	18	31	in	in	ADP
faba-33	18	32	a	a	DET
faba-33	18	33	crisis	crisis	NOUN
faba-33	18	34	conditions	condition	NOUN
faba-33	18	35	is	be	AUX
faba-33	18	36	a	a	DET
faba-33	18	37	new	new	ADJ
faba-33	18	38	normal	normal	ADJ
faba-33	18	39	.	.	PUNCT
faba-33	19	1	negative	negative	ADJ
faba-33	19	2	interest	interest	NOUN
faba-33	19	3	rates	rate	NOUN
faba-33	19	4	have	have	VERB
faba-33	19	5	various	various	ADJ
faba-33	19	6	impact	impact	NOUN
faba-33	19	7	path	path	NOUN
faba-33	19	8	.	.	PUNCT
faba-33	20	1	one	one	NUM
faba-33	20	2	of	of	ADP
faba-33	20	3	the	the	DET
faba-33	20	4	strongest	strong	ADJ
faba-33	20	5	is	be	AUX
faba-33	20	6	the	the	DET
faba-33	20	7	impact	impact	NOUN
faba-33	20	8	on	on	ADP
faba-33	20	9	savings	saving	NOUN
faba-33	20	10	.	.	PUNCT
faba-33	21	1	as	as	SCONJ
faba-33	21	2	stated	state	VERB
faba-33	21	3	in	in	ADP
faba-33	21	4	their	their	PRON
faba-33	21	5	report	report	NOUN
faba-33	21	6	of	of	ADP
faba-33	21	7	swiss	swiss	PROPN
faba-33	21	8	bank	bank	PROPN
faba-33	21	9	association	association	PROPN
faba-33	21	10	(	(	PUNCT
faba-33	21	11	sba	sba	PROPN
faba-33	21	12	,	,	PUNCT
faba-33	21	13	2019	2019	NUM
faba-33	21	14	)	)	PUNCT
faba-33	21	15	,	,	PUNCT
faba-33	21	16	swiss	swiss	ADJ
faba-33	21	17	pension	pension	NOUN
faba-33	21	18	funds	fund	NOUN
faba-33	21	19	will	will	AUX
faba-33	21	20	probably	probably	ADV
faba-33	21	21	achieve	achieve	VERB
faba-33	21	22	zero	zero	NUM
faba-33	21	23	or	or	CCONJ
faba-33	21	24	negative	negative	ADJ
faba-33	21	25	returns	return	NOUN
faba-33	21	26	on	on	ADP
faba-33	21	27	their	their	PRON
faba-33	21	28	bond	bond	NOUN
faba-33	21	29	holdings	holding	NOUN
faba-33	21	30	,	,	PUNCT
faba-33	21	31	since	since	SCONJ
faba-33	21	32	they	they	PRON
faba-33	21	33	scored	score	VERB
faba-33	21	34	roughly	roughly	ADV
faba-33	21	35	2.5	2.5	NUM
faba-33	21	36	%	%	NOUN
faba-33	21	37	in	in	ADP
faba-33	21	38	chf	chf	NOUN
faba-33	21	39	and	and	CCONJ
faba-33	21	40	3	3	NUM
faba-33	21	41	%	%	NOUN
faba-33	21	42	in	in	ADP
faba-33	21	43	foreign	foreign	ADJ
faba-33	21	44	currencies	currency	NOUN
faba-33	21	45	between	between	ADP
faba-33	21	46	the	the	DET
faba-33	21	47	beginning	beginning	NOUN
faba-33	21	48	of	of	ADP
faba-33	21	49	2009	2009	NUM
faba-33	21	50	and	and	CCONJ
faba-33	21	51	the	the	DET
faba-33	21	52	end	end	NOUN
faba-33	21	53	of	of	ADP
faba-33	21	54	2018	2018	NUM
faba-33	21	55	.	.	PUNCT
faba-33	22	1	moreover	moreover	ADV
faba-33	22	2	,	,	PUNCT
faba-33	22	3	in	in	ADP
faba-33	22	4	the	the	DET
faba-33	22	5	rise	rise	NOUN
faba-33	22	6	of	of	ADP
faba-33	22	7	the	the	DET
faba-33	22	8	next	next	ADJ
faba-33	22	9	crisis	crisis	NOUN
faba-33	22	10	(	(	PUNCT
faba-33	22	11	covid-19	covid-19	PROPN
faba-33	22	12	)	)	PUNCT
faba-33	22	13	it	it	PRON
faba-33	22	14	is	be	AUX
faba-33	22	15	important	important	ADJ
faba-33	22	16	to	to	PART
faba-33	22	17	know	know	VERB
faba-33	22	18	what	what	PRON
faba-33	22	19	the	the	DET
faba-33	22	20	starting	starting	NOUN
faba-33	22	21	point	point	NOUN
faba-33	22	22	is	be	AUX
faba-33	22	23	in	in	ADP
faba-33	22	24	which	which	PRON
faba-33	22	25	governments	government	NOUN
faba-33	22	26	will	will	AUX
faba-33	22	27	have	have	VERB
faba-33	22	28	to	to	PART
faba-33	22	29	apply	apply	VERB
faba-33	22	30	new	new	ADJ
faba-33	22	31	measures	measure	NOUN
faba-33	22	32	in	in	ADP
faba-33	22	33	order	order	NOUN
faba-33	22	34	to	to	PART
faba-33	22	35	smoother	smoother	VERB
faba-33	22	36	the	the	DET
faba-33	22	37	impact	impact	NOUN
faba-33	22	38	of	of	ADP
faba-33	22	39	covid-19	covid-19	PROPN
faba-33	22	40	on	on	ADP
faba-33	22	41	the	the	DET
faba-33	22	42	economy	economy	NOUN
faba-33	22	43	and	and	CCONJ
faba-33	22	44	help	help	VERB
faba-33	22	45	it	it	PRON
faba-33	22	46	to	to	PART
faba-33	22	47	recover	recover	VERB
faba-33	22	48	.	.	PUNCT
faba-33	23	1	the	the	DET
faba-33	23	2	difference	difference	NOUN
faba-33	23	3	now	now	ADV
faba-33	23	4	with	with	ADP
faba-33	23	5	the	the	DET
faba-33	23	6	crisis	crisis	NOUN
faba-33	23	7	of	of	ADP
faba-33	23	8	2007	2007	NUM
faba-33	23	9	-	-	SYM
faba-33	23	10	2009	2009	NUM
faba-33	23	11	is	be	AUX
faba-33	23	12	that	that	SCONJ
faba-33	23	13	the	the	DET
faba-33	23	14	current	current	ADJ
faba-33	23	15	level	level	NOUN
faba-33	23	16	of	of	ADP
faba-33	23	17	interest	interest	NOUN
faba-33	23	18	rates	rate	NOUN
faba-33	23	19	is	be	AUX
faba-33	23	20	negative	negative	ADJ
faba-33	23	21	or	or	CCONJ
faba-33	23	22	zero	zero	NUM
faba-33	23	23	–	–	PUNCT
faba-33	23	24	for	for	ADP
faba-33	23	25	deposits	deposit	NOUN
faba-33	23	26	and	and	CCONJ
faba-33	23	27	most	most	ADJ
faba-33	23	28	of	of	ADP
faba-33	23	29	the	the	DET
faba-33	23	30	government	government	NOUN
faba-33	23	31	bonds	bond	NOUN
faba-33	23	32	.	.	PUNCT
faba-33	24	1	that	that	PRON
faba-33	24	2	means	mean	VERB
faba-33	24	3	central	central	ADJ
faba-33	24	4	banks	bank	NOUN
faba-33	24	5	will	will	AUX
faba-33	24	6	not	not	PART
faba-33	24	7	be	be	AUX
faba-33	24	8	able	able	ADJ
faba-33	24	9	to	to	PART
faba-33	24	10	go	go	VERB
faba-33	24	11	further	far	ADV
faba-33	24	12	in	in	ADP
faba-33	24	13	the	the	DET
faba-33	24	14	negative	negative	ADJ
faba-33	24	15	territory	territory	NOUN
faba-33	24	16	and	and	CCONJ
faba-33	24	17	will	will	AUX
faba-33	24	18	have	have	VERB
faba-33	24	19	to	to	PART
faba-33	24	20	introduce	introduce	VERB
faba-33	24	21	different	different	ADJ
faba-33	24	22	measures	measure	NOUN
faba-33	24	23	.	.	PUNCT
faba-33	25	1	a	a	DET
faba-33	25	2	variety	variety	NOUN
faba-33	25	3	of	of	ADP
faba-33	25	4	research	research	NOUN
faba-33	25	5	has	have	AUX
faba-33	25	6	been	be	AUX
faba-33	25	7	done	do	VERB
faba-33	25	8	,	,	PUNCT
faba-33	25	9	and	and	CCONJ
faba-33	25	10	some	some	PRON
faba-33	25	11	of	of	ADP
faba-33	25	12	them	they	PRON
faba-33	25	13	achieve	achieve	VERB
faba-33	25	14	similar	similar	ADJ
faba-33	25	15	conclusions	conclusion	NOUN
faba-33	25	16	.	.	PUNCT
faba-33	26	1	a	a	DET
faba-33	26	2	central	central	ADJ
faba-33	26	3	bank	bank	NOUN
faba-33	26	4	decreases	decrease	VERB
faba-33	26	5	the	the	DET
faba-33	26	6	policy	policy	NOUN
faba-33	26	7	interest	interest	NOUN
faba-33	26	8	rates	rate	NOUN
faba-33	26	9	when	when	SCONJ
faba-33	26	10	aiming	aim	VERB
faba-33	26	11	to	to	PART
faba-33	26	12	decrease	decrease	VERB
faba-33	26	13	the	the	DET
faba-33	26	14	rates	rate	NOUN
faba-33	26	15	on	on	ADP
faba-33	26	16	the	the	DET
faba-33	26	17	debt	debt	NOUN
faba-33	26	18	,	,	PUNCT
faba-33	26	19	to	to	PART
faba-33	26	20	increase	increase	VERB
faba-33	26	21	the	the	DET
faba-33	26	22	liquidity	liquidity	NOUN
faba-33	26	23	and	and	CCONJ
faba-33	26	24	borrowing	borrowing	NOUN
faba-33	26	25	facilities	facility	NOUN
faba-33	26	26	and	and	CCONJ
faba-33	26	27	thus	thus	ADV
faba-33	26	28	to	to	PART
faba-33	26	29	stimulate	stimulate	VERB
faba-33	26	30	the	the	DET
faba-33	26	31	consumption	consumption	NOUN
faba-33	26	32	and	and	CCONJ
faba-33	26	33	investments	investment	NOUN
faba-33	26	34	,	,	PUNCT
faba-33	26	35	to	to	PART
faba-33	26	36	lower	lower	VERB
faba-33	26	37	the	the	DET
faba-33	26	38	unemployment	unemployment	NOUN
faba-33	26	39	and	and	CCONJ
faba-33	26	40	boost	boost	VERB
faba-33	26	41	the	the	DET
faba-33	26	42	economic	economic	ADJ
faba-33	26	43	growth	growth	NOUN
faba-33	26	44	.	.	PUNCT
faba-33	27	1	the	the	DET
faba-33	27	2	ordinary	ordinary	ADJ
faba-33	27	3	transmission	transmission	NOUN
faba-33	27	4	channel	channel	NOUN
faba-33	27	5	of	of	ADP
faba-33	27	6	central	central	ADJ
faba-33	27	7	bank	bank	NOUN
faba-33	27	8	monetary	monetary	ADJ
faba-33	27	9	policy	policy	NOUN
faba-33	27	10	when	when	SCONJ
faba-33	27	11	lowering	lower	VERB
faba-33	27	12	the	the	DET
faba-33	27	13	policy	policy	NOUN
faba-33	27	14	interest	interest	NOUN
faba-33	27	15	rates	rate	NOUN
faba-33	27	16	would	would	AUX
faba-33	27	17	result	result	VERB
faba-33	27	18	in	in	ADP
faba-33	27	19	a	a	DET
faba-33	27	20	lower	low	ADJ
faba-33	27	21	cost	cost	NOUN
faba-33	27	22	for	for	ADP
faba-33	27	23	lending	lending	NOUN
faba-33	27	24	.	.	PUNCT
faba-33	28	1	however	however	ADV
faba-33	28	2	,	,	PUNCT
faba-33	28	3	up	up	ADP
faba-33	28	4	to	to	ADP
faba-33	28	5	2014	2014	NUM
faba-33	28	6	it	it	PRON
faba-33	28	7	was	be	AUX
faba-33	28	8	generally	generally	ADV
faba-33	28	9	been	be	AUX
faba-33	28	10	contended	contend	VERB
faba-33	28	11	that	that	SCONJ
faba-33	28	12	the	the	DET
faba-33	28	13	zero	zero	NUM
faba-33	28	14	-	-	PUNCT
faba-33	28	15	lower	low	ADJ
faba-33	28	16	bound	bind	VERB
faba-33	28	17	(	(	PUNCT
faba-33	28	18	zlb	zlb	NOUN
faba-33	28	19	)	)	PUNCT
faba-33	28	20	of	of	ADP
faba-33	28	21	interest	interest	NOUN
faba-33	28	22	rate	rate	NOUN
faba-33	28	23	exists	exist	VERB
faba-33	28	24	,	,	PUNCT
faba-33	28	25	e.g.	e.g.	ADV
faba-33	28	26	that	that	PRON
faba-33	28	27	is	be	AUX
faba-33	28	28	the	the	DET
faba-33	28	29	nominal	nominal	ADJ
faba-33	28	30	interest	interest	NOUN
faba-33	28	31	rates	rate	NOUN
faba-33	28	32	down	down	ADP
faba-33	28	33	limit	limit	NOUN
faba-33	28	34	.	.	PUNCT
faba-33	29	1	they	they	PRON
faba-33	29	2	were	be	AUX
faba-33	29	3	not	not	PART
faba-33	29	4	assumed	assume	VERB
faba-33	29	5	to	to	PART
faba-33	29	6	go	go	VERB
faba-33	29	7	into	into	ADP
faba-33	29	8	the	the	DET
faba-33	29	9	negative	negative	ADJ
faba-33	29	10	area	area	NOUN
faba-33	29	11	.	.	PUNCT
faba-33	30	1	that	that	PRON
faba-33	30	2	could	could	AUX
faba-33	30	3	be	be	AUX
faba-33	30	4	easily	easily	ADV
faba-33	30	5	seen	see	VERB
faba-33	30	6	in	in	ADP
faba-33	30	7	all	all	DET
faba-33	30	8	economic	economic	ADJ
faba-33	30	9	textbooks	textbook	NOUN
faba-33	30	10	where	where	SCONJ
faba-33	30	11	all	all	DET
faba-33	30	12	examples	example	NOUN
faba-33	30	13	,	,	PUNCT
faba-33	30	14	formulas	formula	NOUN
faba-33	30	15	and	and	CCONJ
faba-33	30	16	theory	theory	NOUN
faba-33	30	17	is	be	AUX
faba-33	30	18	made	make	VERB
faba-33	30	19	through	through	ADP
faba-33	30	20	the	the	DET
faba-33	30	21	assumption	assumption	NOUN
faba-33	30	22	of	of	ADP
faba-33	30	23	a	a	DET
faba-33	30	24	nonnegative	nonnegative	ADJ
faba-33	30	25	rates	rate	NOUN
faba-33	30	26	.	.	PUNCT
faba-33	31	1	however	however	ADV
faba-33	31	2	,	,	PUNCT
faba-33	31	3	this	this	DET
faba-33	31	4	myth	myth	NOUN
faba-33	31	5	is	be	AUX
faba-33	31	6	no	no	ADV
faba-33	31	7	longer	long	ADV
faba-33	31	8	actual	actual	ADJ
faba-33	31	9	.	.	PUNCT
faba-33	32	1	this	this	DET
faba-33	32	2	phenomenon	phenomenon	NOUN
faba-33	32	3	has	have	AUX
faba-33	32	4	appeared	appear	VERB
faba-33	32	5	since	since	SCONJ
faba-33	32	6	2014	2014	NUM
faba-33	32	7	by	by	ADP
faba-33	32	8	the	the	DET
faba-33	32	9	actions	action	NOUN
faba-33	32	10	of	of	ADP
faba-33	32	11	some	some	DET
faba-33	32	12	central	central	ADJ
faba-33	32	13	banks	bank	NOUN
faba-33	32	14	to	to	PART
faba-33	32	15	decreases	decrease	VERB
faba-33	32	16	their	their	PRON
faba-33	32	17	policy	policy	NOUN
faba-33	32	18	interest	interest	NOUN
faba-33	32	19	rates	rate	NOUN
faba-33	32	20	below	below	ADP
faba-33	32	21	zero	zero	NUM
faba-33	32	22	.	.	PUNCT
faba-33	33	1	now	now	ADV
faba-33	33	2	,	,	PUNCT
faba-33	33	3	six	six	NUM
faba-33	33	4	years	year	NOUN
faba-33	33	5	later	later	ADV
faba-33	33	6	,	,	PUNCT
faba-33	33	7	it	it	PRON
faba-33	33	8	seems	seem	VERB
faba-33	33	9	like	like	SCONJ
faba-33	33	10	no	no	DET
faba-33	33	11	perspective	perspective	NOUN
faba-33	33	12	is	be	AUX
faba-33	33	13	on	on	ADP
faba-33	33	14	the	the	DET
faba-33	33	15	way	way	NOUN
faba-33	33	16	for	for	ADP
faba-33	33	17	going	go	VERB
faba-33	33	18	back	back	ADV
faba-33	33	19	in	in	ADP
faba-33	33	20	the	the	DET
faba-33	33	21	positive	positive	ADJ
faba-33	33	22	interest	interest	NOUN
faba-33	33	23	rates	rate	NOUN
faba-33	33	24	area	area	NOUN
faba-33	33	25	,	,	PUNCT
faba-33	33	26	moreover	moreover	ADV
faba-33	33	27	the	the	DET
faba-33	33	28	unprecedent	unprecedent	NOUN
faba-33	33	29	covid-19	covid-19	PROPN
faba-33	33	30	crisis	crisis	NOUN
faba-33	33	31	that	that	PRON
faba-33	33	32	started	start	VERB
faba-33	33	33	in	in	ADP
faba-33	33	34	the	the	DET
faba-33	33	35	beginning	beginning	NOUN
faba-33	33	36	of	of	ADP
faba-33	33	37	2020	2020	NUM
faba-33	33	38	is	be	AUX
faba-33	33	39	another	another	DET
faba-33	33	40	reason	reason	NOUN
faba-33	33	41	for	for	SCONJ
faba-33	33	42	cbs	cbs	PROPN
faba-33	33	43	to	to	PART
faba-33	33	44	have	have	VERB
faba-33	33	45	expansionary	expansionary	ADJ
faba-33	33	46	policy	policy	NOUN
faba-33	33	47	.	.	PUNCT
faba-33	34	1	literature	literature	NOUN
faba-33	34	2	review	review	NOUN
faba-33	34	3	there	there	PRON
faba-33	34	4	have	have	AUX
faba-33	34	5	been	be	AUX
faba-33	34	6	many	many	ADJ
faba-33	34	7	discussion	discussion	NOUN
faba-33	34	8	and	and	CCONJ
faba-33	34	9	doubts	doubt	NOUN
faba-33	34	10	about	about	ADP
faba-33	34	11	the	the	DET
faba-33	34	12	success	success	NOUN
faba-33	34	13	of	of	ADP
faba-33	34	14	the	the	DET
faba-33	34	15	negative	negative	ADJ
faba-33	34	16	interest	interest	NOUN
faba-33	34	17	rates	rate	NOUN
faba-33	34	18	policy	policy	NOUN
faba-33	34	19	(	(	PUNCT
faba-33	34	20	nirp	nirp	NOUN
faba-33	34	21	)	)	PUNCT
faba-33	34	22	.	.	PUNCT
faba-33	35	1	the	the	DET
faba-33	35	2	research	research	NOUN
faba-33	35	3	in	in	ADP
faba-33	35	4	the	the	DET
faba-33	35	5	area	area	NOUN
faba-33	35	6	of	of	ADP
faba-33	35	7	negative	negative	ADJ
faba-33	35	8	interest	interest	NOUN
faba-33	35	9	rates	rate	NOUN
faba-33	35	10	gives	give	VERB
faba-33	35	11	a	a	DET
faba-33	35	12	picture	picture	NOUN
faba-33	35	13	of	of	ADP
faba-33	35	14	the	the	DET
faba-33	35	15	impact	impact	NOUN
faba-33	35	16	of	of	ADP
faba-33	35	17	this	this	DET
faba-33	35	18	policy	policy	NOUN
faba-33	35	19	for	for	ADP
faba-33	35	20	the	the	DET
faba-33	35	21	economy	economy	NOUN
faba-33	35	22	,	,	PUNCT
faba-33	35	23	which	which	PRON
faba-33	35	24	is	be	AUX
faba-33	35	25	an	an	DET
faba-33	35	26	important	important	ADJ
faba-33	35	27	ground	ground	NOUN
faba-33	35	28	for	for	ADP
faba-33	35	29	its	its	PRON
faba-33	35	30	further	further	ADJ
faba-33	35	31	use	use	NOUN
faba-33	35	32	.	.	PUNCT
faba-33	36	1	the	the	DET
faba-33	36	2	research	research	NOUN
faba-33	36	3	articles	article	NOUN
faba-33	36	4	of	of	ADP
faba-33	36	5	this	this	DET
faba-33	36	6	kind	kind	NOUN
faba-33	36	7	are	be	AUX
faba-33	36	8	usually	usually	ADV
faba-33	36	9	on	on	ADP
faba-33	36	10	a	a	DET
faba-33	36	11	country	country	NOUN
faba-33	36	12	perspective	perspective	NOUN
faba-33	36	13	investigating	investigate	VERB
faba-33	36	14	the	the	DET
faba-33	36	15	impact	impact	NOUN
faba-33	36	16	of	of	ADP
faba-33	36	17	negative	negative	ADJ
faba-33	36	18	interest	interest	NOUN
faba-33	36	19	rate	rate	NOUN
faba-33	36	20	policy	policy	NOUN
faba-33	36	21	for	for	ADP
faba-33	36	22	different	different	ADJ
faba-33	36	23	bank	bank	NOUN
faba-33	36	24	interest	interest	NOUN
faba-33	36	25	rates	rate	NOUN
faba-33	36	26	and	and	CCONJ
faba-33	36	27	economic	economic	ADJ
faba-33	36	28	indicators	indicator	NOUN
faba-33	36	29	.	.	PUNCT
faba-33	37	1	the	the	DET
faba-33	37	2	main	main	ADJ
faba-33	37	3	direction	direction	NOUN
faba-33	37	4	of	of	ADP
faba-33	37	5	investigation	investigation	NOUN
faba-33	37	6	is	be	AUX
faba-33	37	7	to	to	PART
faba-33	37	8	observed	observed	VERB
faba-33	37	9	the	the	DET
faba-33	37	10	impact	impact	NOUN
faba-33	37	11	of	of	ADP
faba-33	37	12	negative	negative	ADJ
faba-33	37	13	interest	interest	NOUN
faba-33	37	14	rate	rate	NOUN
faba-33	37	15	on	on	ADP
faba-33	37	16	deposits	deposit	NOUN
faba-33	37	17	and	and	CCONJ
faba-33	37	18	credit	credit	NOUN
faba-33	37	19	,	,	PUNCT
faba-33	37	20	also	also	ADV
faba-33	37	21	to	to	PART
faba-33	37	22	see	see	VERB
faba-33	37	23	if	if	SCONJ
faba-33	37	24	there	there	PRON
faba-33	37	25	is	be	VERB
faba-33	37	26	a	a	DET
faba-33	37	27	straight	straight	ADJ
faba-33	37	28	correlation	correlation	NOUN
faba-33	37	29	between	between	ADP
faba-33	37	30	interest	interest	NOUN
faba-33	37	31	rates	rate	NOUN
faba-33	37	32	on	on	ADP
faba-33	37	33	deposits	deposit	NOUN
faba-33	37	34	and	and	CCONJ
faba-33	37	35	credits	credit	NOUN
faba-33	37	36	,	,	PUNCT
faba-33	37	37	how	how	SCONJ
faba-33	37	38	that	that	SCONJ
faba-33	37	39	impacts	impact	VERB
faba-33	37	40	banks	bank	NOUN
faba-33	37	41	’	'	PUNCT
faba-33	37	42	balance	balance	NOUN
faba-33	37	43	sheets	sheet	NOUN
faba-33	37	44	and	and	CCONJ
faba-33	37	45	companies	company	NOUN
faba-33	37	46	’	’	PART
faba-33	37	47	balance	balance	NOUN
faba-33	37	48	sheets	sheet	NOUN
faba-33	37	49	,	,	PUNCT
faba-33	37	50	also	also	ADV
faba-33	37	51	to	to	PART
faba-33	37	52	trace	trace	VERB
faba-33	37	53	the	the	DET
faba-33	37	54	behavior	behavior	NOUN
faba-33	37	55	of	of	ADP
faba-33	37	56	depositors	depositor	NOUN
faba-33	37	57	and	and	CCONJ
faba-33	37	58	finally	finally	ADV
faba-33	37	59	to	to	PART
faba-33	37	60	find	find	VERB
faba-33	37	61	the	the	DET
faba-33	37	62	total	total	ADJ
faba-33	37	63	effect	effect	NOUN
faba-33	37	64	for	for	ADP
faba-33	37	65	the	the	DET
faba-33	37	66	economy	economy	NOUN
faba-33	37	67	.	.	PUNCT
faba-33	38	1	in	in	ADP
faba-33	38	2	their	their	PRON
faba-33	38	3	article	article	NOUN
faba-33	38	4	eggertsson	eggertsson	NOUN
faba-33	38	5	et	et	PROPN
faba-33	38	6	al	al	PROPN
faba-33	38	7	.	.	PROPN
faba-33	39	1	(	(	PUNCT
faba-33	39	2	2019	2019	NUM
faba-33	39	3	)	)	PUNCT
faba-33	39	4	analyze	analyze	VERB
faba-33	39	5	the	the	DET
faba-33	39	6	effectiveness	effectiveness	NOUN
faba-33	39	7	of	of	ADP
faba-33	39	8	nirp	nirp	NOUN
faba-33	39	9	in	in	ADP
faba-33	39	10	stimulating	stimulate	VERB
faba-33	39	11	the	the	DET
faba-33	39	12	economy	economy	NOUN
faba-33	39	13	through	through	ADP
faba-33	39	14	the	the	DET
faba-33	39	15	bank	bank	NOUN
faba-33	39	16	lending	lending	NOUN
faba-33	39	17	channel	channel	NOUN
faba-33	39	18	on	on	ADP
faba-33	39	19	the	the	DET
faba-33	39	20	grounds	ground	NOUN
faba-33	39	21	of	of	ADP
faba-33	39	22	the	the	DET
faba-33	39	23	swedish	swedish	ADJ
faba-33	39	24	banks	bank	NOUN
faba-33	39	25	.	.	PUNCT
faba-33	40	1	some	some	PRON
faba-33	40	2	of	of	ADP
faba-33	40	3	the	the	DET
faba-33	40	4	main	main	ADJ
faba-33	40	5	conclusions	conclusion	NOUN
faba-33	40	6	that	that	PRON
faba-33	40	7	are	be	AUX
faba-33	40	8	made	make	VERB
faba-33	40	9	in	in	ADP
faba-33	40	10	that	that	DET
faba-33	40	11	article	article	NOUN
faba-33	40	12	argue	argue	VERB
faba-33	40	13	that	that	SCONJ
faba-33	40	14	“	"	PUNCT
faba-33	40	15	deposit	deposit	NOUN
faba-33	40	16	rates	rate	NOUN
faba-33	40	17	stopped	stop	VERB
faba-33	40	18	responding	respond	VERB
faba-33	40	19	to	to	ADP
faba-33	40	20	policy	policy	NOUN
faba-33	40	21	rates	rate	NOUN
faba-33	40	22	once	once	SCONJ
faba-33	40	23	they	they	PRON
faba-33	40	24	went	go	VERB
faba-33	40	25	negative	negative	ADJ
faba-33	40	26	and	and	CCONJ
faba-33	40	27	that	that	SCONJ
faba-33	40	28	bank	bank	NOUN
faba-33	40	29	lending	lending	NOUN
faba-33	40	30	rates	rate	NOUN
faba-33	40	31	in	in	ADP
faba-33	40	32	some	some	DET
faba-33	40	33	cases	case	NOUN
faba-33	40	34	increased	increase	VERB
faba-33	40	35	rather	rather	ADV
faba-33	40	36	than	than	ADP
faba-33	40	37	decreased	decrease	VERB
faba-33	40	38	in	in	ADP
faba-33	40	39	response	response	NOUN
faba-33	40	40	to	to	ADP
faba-33	40	41	policy	policy	NOUN
faba-33	40	42	rate	rate	NOUN
faba-33	40	43	cuts	cut	NOUN
faba-33	40	44	.	.	PUNCT
faba-33	40	45	”	"	PUNCT
faba-33	41	1	another	another	DET
faba-33	41	2	conclusion	conclusion	NOUN
faba-33	41	3	,	,	PUNCT
faba-33	41	4	that	that	PRON
faba-33	41	5	appears	appear	VERB
faba-33	41	6	in	in	ADP
faba-33	41	7	other	other	ADJ
faba-33	41	8	research	research	NOUN
faba-33	41	9	,	,	PUNCT
faba-33	41	10	is	be	AUX
faba-33	41	11	that	that	SCONJ
faba-33	41	12	“	"	PUNCT
faba-33	41	13	once	once	SCONJ
faba-33	41	14	the	the	DET
faba-33	41	15	policy	policy	NOUN
faba-33	41	16	rate	rate	NOUN
faba-33	41	17	turns	turn	VERB
faba-33	41	18	negative	negative	ADJ
faba-33	41	19	,	,	PUNCT
faba-33	41	20	the	the	DET
faba-33	41	21	usual	usual	ADJ
faba-33	41	22	transmission	transmission	NOUN
faba-33	41	23	mechanism	mechanism	NOUN
faba-33	41	24	of	of	ADP
faba-33	41	25	monetary	monetary	ADJ
faba-33	41	26	policy	policy	NOUN
faba-33	41	27	through	through	ADP
faba-33	41	28	the	the	DET
faba-33	41	29	bank	bank	NOUN
faba-33	41	30	sector	sector	NOUN
faba-33	41	31	breaks	break	VERB
faba-33	41	32	down	down	ADP
faba-33	41	33	.	.	PUNCT
faba-33	41	34	”	"	PUNCT
faba-33	42	1	once	once	ADV
faba-33	42	2	the	the	DET
faba-33	42	3	deposit	deposit	NOUN
faba-33	42	4	rate	rate	NOUN
faba-33	42	5	reaches	reach	VERB
faba-33	42	6	its	its	PRON
faba-33	42	7	effective	effective	ADJ
faba-33	42	8	lower	lower	ADV
faba-33	42	9	bound	bind	VERB
faba-33	42	10	however	however	ADV
faba-33	42	11	,	,	PUNCT
faba-33	42	12	reducing	reduce	VERB
faba-33	42	13	the	the	DET
faba-33	42	14	policy	policy	NOUN
faba-33	42	15	rate	rate	NOUN
faba-33	42	16	further	far	ADV
faba-33	42	17	is	be	AUX
faba-33	42	18	no	no	ADV
faba-33	42	19	longer	long	ADV
faba-33	42	20	expansionary	expansionary	ADJ
faba-33	42	21	.	.	PUNCT
faba-33	43	1	this	this	PRON
faba-33	43	2	makes	make	VERB
faba-33	43	3	the	the	DET
faba-33	43	4	monetary	monetary	ADJ
faba-33	43	5	policy	policy	NOUN
faba-33	43	6	inefficient	inefficient	ADJ
faba-33	43	7	which	which	PRON
faba-33	43	8	triggers	trigger	VERB
faba-33	43	9	the	the	DET
faba-33	43	10	necessity	necessity	NOUN
faba-33	43	11	of	of	ADP
faba-33	43	12	undertaking	undertake	VERB
faba-33	43	13	other	other	ADJ
faba-33	43	14	actions	action	NOUN
faba-33	43	15	for	for	ADP
faba-33	43	16	the	the	DET
faba-33	43	17	central	central	ADJ
faba-33	43	18	bank	bank	NOUN
faba-33	43	19	to	to	PART
faba-33	43	20	reach	reach	VERB
faba-33	43	21	its	its	PRON
faba-33	43	22	objectives	objective	NOUN
faba-33	43	23	.	.	PUNCT
faba-33	44	1	ecb	ecb	NOUN
faba-33	44	2	’s	’s	PART
faba-33	44	3	research	research	NOUN
faba-33	44	4	on	on	ADP
faba-33	44	5	euro	euro	PROPN
faba-33	44	6	area	area	NOUN
faba-33	44	7	banks	bank	NOUN
faba-33	44	8	outlines	outline	VERB
faba-33	44	9	interesting	interesting	ADJ
faba-33	44	10	results	result	NOUN
faba-33	44	11	(	(	PUNCT
faba-33	44	12	altavila	altavila	INTJ
faba-33	44	13	et	et	PROPN
faba-33	44	14	al	al	PROPN
faba-33	44	15	.	.	PROPN
faba-33	44	16	,2019	,2019	PUNCT
faba-33	44	17	)	)	PUNCT
faba-33	44	18	.	.	PUNCT
faba-33	45	1	some	some	PRON
faba-33	45	2	of	of	ADP
faba-33	45	3	the	the	DET
faba-33	45	4	finding	finding	NOUN
faba-33	45	5	show	show	VERB
faba-33	45	6	that	that	SCONJ
faba-33	45	7	“	"	PUNCT
faba-33	45	8	well	well	ADV
faba-33	45	9	capitalized	capitalize	VERB
faba-33	45	10	and	and	CCONJ
faba-33	45	11	big	big	ADJ
faba-33	45	12	banks	bank	NOUN
faba-33	45	13	can	can	AUX
faba-33	45	14	pass	pass	VERB
faba-33	45	15	easier	easy	ADJ
faba-33	45	16	negative	negative	ADJ
faba-33	45	17	rates	rate	NOUN
faba-33	45	18	on	on	ADP
faba-33	45	19	to	to	ADP
faba-33	45	20	their	their	PRON
faba-33	45	21	corporate	corporate	ADJ
faba-33	45	22	depositors	depositor	NOUN
faba-33	45	23	without	without	ADP
faba-33	45	24	experiencing	experience	VERB
faba-33	45	25	a	a	DET
faba-33	45	26	contraction	contraction	NOUN
faba-33	45	27	in	in	ADP
faba-33	45	28	funding	funding	NOUN
faba-33	45	29	and	and	CCONJ
faba-33	45	30	that	that	PRON
faba-33	45	31	becomes	become	VERB
faba-33	45	32	stronger	strong	ADJ
faba-33	45	33	as	as	SCONJ
faba-33	45	34	policy	policy	NOUN
faba-33	45	35	rates	rate	NOUN
faba-33	45	36	move	move	VERB
faba-33	45	37	deeper	deeply	ADV
faba-33	45	38	into	into	ADP
faba-33	45	39	negative	negative	ADJ
faba-33	45	40	territory	territory	NOUN
faba-33	45	41	.	.	PUNCT
faba-33	45	42	”	"	PUNCT
faba-33	46	1	altavila	altavila	ADJ
faba-33	46	2	et	et	PROPN
faba-33	46	3	al	al	PROPN
faba-33	46	4	.	.	PROPN
faba-33	46	5	investigated	investigate	VERB
faba-33	46	6	the	the	DET
faba-33	46	7	impact	impact	NOUN
faba-33	46	8	of	of	ADP
faba-33	46	9	negative	negative	ADJ
faba-33	46	10	interest	interest	NOUN
faba-33	46	11	rate	rate	NOUN
faba-33	46	12	policy	policy	NOUN
faba-33	46	13	on	on	ADP
faba-33	46	14	companies	company	NOUN
faba-33	46	15	’	'	PUNCT
faba-33	46	16	assets	asset	NOUN
faba-33	46	17	,	,	PUNCT
faba-33	46	18	which	which	PRON
faba-33	46	19	showed	show	VERB
faba-33	46	20	that	that	SCONJ
faba-33	46	21	these	these	DET
faba-33	46	22	companies	company	NOUN
faba-33	46	23	tend	tend	VERB
faba-33	46	24	to	to	PART
faba-33	46	25	decrease	decrease	VERB
faba-33	46	26	the	the	DET
faba-33	46	27	amount	amount	NOUN
faba-33	46	28	of	of	ADP
faba-33	46	29	their	their	PRON
faba-33	46	30	current	current	ADJ
faba-33	46	31	assets	asset	NOUN
faba-33	46	32	and	and	CCONJ
faba-33	46	33	to	to	PART
faba-33	46	34	increase	increase	VERB
faba-33	46	35	the	the	DET
faba-33	46	36	one	one	NOUN
faba-33	46	37	in	in	ADP
faba-33	46	38	tangible	tangible	ADJ
faba-33	46	39	and	and	CCONJ
faba-33	46	40	intangible	intangible	ADJ
faba-33	46	41	assets	asset	NOUN
faba-33	46	42	avoiding	avoid	VERB
faba-33	46	43	the	the	DET
faba-33	46	44	costs	cost	NOUN
faba-33	46	45	.	.	PUNCT
faba-33	47	1	other	other	ADJ
faba-33	47	2	important	important	ADJ
faba-33	47	3	conclusions	conclusion	NOUN
faba-33	47	4	of	of	ADP
faba-33	47	5	this	this	DET
faba-33	47	6	investigation	investigation	NOUN
faba-33	47	7	could	could	AUX
faba-33	47	8	be	be	AUX
faba-33	47	9	indicated	indicate	VERB
faba-33	47	10	too	too	ADV
faba-33	47	11	–	–	PUNCT
faba-33	47	12	authors	author	NOUN
faba-33	47	13	have	have	AUX
faba-33	47	14	reported	report	VERB
faba-33	47	15	that	that	SCONJ
faba-33	47	16	“	"	PUNCT
faba-33	47	17	a	a	DET
faba-33	47	18	corporate	corporate	ADJ
faba-33	47	19	finance	finance	NOUN
faba-33	47	20	channel	channel	NOUN
faba-33	47	21	of	of	ADP
faba-33	47	22	diyana	diyana	PROPN
faba-33	47	23	miteva	miteva	PROPN
faba-33	47	24	/	/	SYM
faba-33	47	25	finance	finance	NOUN
faba-33	47	26	,	,	PUNCT
faba-33	47	27	accounting	accounting	NOUN
faba-33	47	28	and	and	CCONJ
faba-33	47	29	business	business	NOUN
faba-33	47	30	analysis	analysis	NOUN
faba-33	47	31	2	2	NUM
faba-33	47	32	(	(	PUNCT
faba-33	47	33	1	1	NUM
faba-33	47	34	)	)	PUNCT
faba-33	47	35	2020	2020	NUM
faba-33	47	36	44	44	NUM
faba-33	47	37	monetary	monetary	ADJ
faba-33	47	38	policy	policy	NOUN
faba-33	47	39	also	also	ADV
faba-33	47	40	emerges	emerge	VERB
faba-33	47	41	below	below	ADP
faba-33	47	42	the	the	DET
faba-33	47	43	zlb	zlb	PROPN
faba-33	47	44	.	.	PUNCT
faba-33	47	45	firms	firm	NOUN
faba-33	47	46	that	that	PRON
faba-33	47	47	have	have	VERB
faba-33	47	48	relationships	relationship	NOUN
faba-33	47	49	with	with	ADP
faba-33	47	50	banks	bank	NOUN
faba-33	47	51	that	that	PRON
faba-33	47	52	offer	offer	VERB
faba-33	47	53	negative	negative	ADJ
faba-33	47	54	rates	rate	NOUN
faba-33	47	55	on	on	ADP
faba-33	47	56	deposits	deposit	NOUN
faba-33	47	57	are	be	AUX
faba-33	47	58	more	more	ADV
faba-33	47	59	exposed	expose	VERB
faba-33	47	60	to	to	ADP
faba-33	47	61	negative	negative	ADJ
faba-33	47	62	rates	rate	NOUN
faba-33	47	63	if	if	SCONJ
faba-33	47	64	they	they	PRON
faba-33	47	65	hold	hold	VERB
faba-33	47	66	a	a	DET
faba-33	47	67	lot	lot	NOUN
faba-33	47	68	of	of	ADP
faba-33	47	69	cash	cash	NOUN
faba-33	47	70	.	.	PUNCT
faba-33	48	1	these	these	DET
faba-33	48	2	firms	firm	NOUN
faba-33	48	3	appear	appear	VERB
faba-33	48	4	to	to	PART
faba-33	48	5	lengthen	lengthen	VERB
faba-33	48	6	the	the	DET
faba-33	48	7	maturity	maturity	NOUN
faba-33	48	8	of	of	ADP
faba-33	48	9	the	the	DET
faba-33	48	10	assets	asset	NOUN
faba-33	48	11	to	to	PART
faba-33	48	12	improve	improve	VERB
faba-33	48	13	their	their	PRON
faba-33	48	14	profitability	profitability	NOUN
faba-33	48	15	.	.	PUNCT
faba-33	49	1	thus	thus	ADV
faba-33	49	2	,	,	PUNCT
faba-33	49	3	they	they	PRON
faba-33	49	4	decrease	decrease	VERB
faba-33	49	5	their	their	PRON
faba-33	49	6	short	short	ADJ
faba-33	49	7	-	-	PUNCT
faba-33	49	8	term	term	NOUN
faba-33	49	9	assets	asset	NOUN
faba-33	49	10	and	and	CCONJ
faba-33	49	11	cash	cash	NOUN
faba-33	49	12	and	and	CCONJ
faba-33	49	13	increase	increase	VERB
faba-33	49	14	their	their	PRON
faba-33	49	15	fixed	fix	VERB
faba-33	49	16	investment	investment	NOUN
faba-33	49	17	.	.	PUNCT
faba-33	49	18	”	"	PUNCT
faba-33	50	1	the	the	DET
faba-33	50	2	same	same	ADJ
faba-33	50	3	paper	paper	NOUN
faba-33	50	4	states	state	NOUN
faba-33	50	5	that	that	SCONJ
faba-33	50	6	interest	interest	NOUN
faba-33	50	7	rates	rate	NOUN
faba-33	50	8	became	become	VERB
faba-33	50	9	negative	negative	ADJ
faba-33	50	10	for	for	ADP
faba-33	50	11	around	around	ADV
faba-33	50	12	5	5	NUM
faba-33	50	13	%	%	NOUN
faba-33	50	14	of	of	ADP
faba-33	50	15	total	total	ADJ
faba-33	50	16	deposits	deposit	NOUN
faba-33	50	17	in	in	ADP
faba-33	50	18	the	the	DET
faba-33	50	19	euro	euro	NOUN
faba-33	50	20	area	area	NOUN
faba-33	50	21	where	where	SCONJ
faba-33	50	22	the	the	DET
faba-33	50	23	share	share	NOUN
faba-33	50	24	for	for	ADP
faba-33	50	25	the	the	DET
faba-33	50	26	corporate	corporate	ADJ
faba-33	50	27	deposits	deposit	NOUN
faba-33	50	28	was	be	AUX
faba-33	50	29	20	20	NUM
faba-33	50	30	%	%	NOUN
faba-33	50	31	,	,	PUNCT
faba-33	50	32	as	as	ADP
faba-33	50	33	in	in	ADP
faba-33	50	34	germany	germany	PROPN
faba-33	50	35	,	,	PUNCT
faba-33	50	36	these	these	DET
faba-33	50	37	percentages	percentage	NOUN
faba-33	50	38	are	be	AUX
faba-33	50	39	15	15	NUM
faba-33	50	40	%	%	NOUN
faba-33	50	41	and	and	CCONJ
faba-33	50	42	50	50	NUM
faba-33	50	43	%	%	NOUN
faba-33	50	44	,	,	PUNCT
faba-33	50	45	respectively	respectively	ADV
faba-33	50	46	.	.	PUNCT
faba-33	51	1	banks	bank	NOUN
faba-33	51	2	offering	offer	VERB
faba-33	51	3	negative	negative	ADJ
faba-33	51	4	rates	rate	NOUN
faba-33	51	5	provide	provide	VERB
faba-33	51	6	more	more	ADJ
faba-33	51	7	credit	credit	NOUN
faba-33	51	8	than	than	ADP
faba-33	51	9	other	other	ADJ
faba-33	51	10	banks	bank	NOUN
faba-33	51	11	suggesting	suggest	VERB
faba-33	51	12	that	that	SCONJ
faba-33	51	13	the	the	DET
faba-33	51	14	transmission	transmission	NOUN
faba-33	51	15	mechanism	mechanism	NOUN
faba-33	51	16	of	of	ADP
faba-33	51	17	monetary	monetary	ADJ
faba-33	51	18	policy	policy	NOUN
faba-33	51	19	is	be	AUX
faba-33	51	20	not	not	PART
faba-33	51	21	hampered	hamper	VERB
faba-33	51	22	.	.	PUNCT
faba-33	52	1	the	the	DET
faba-33	52	2	negative	negative	ADJ
faba-33	52	3	interest	interest	NOUN
faba-33	52	4	rate	rate	NOUN
faba-33	52	5	policy	policy	NOUN
faba-33	52	6	provides	provide	VERB
faba-33	52	7	further	further	ADJ
faba-33	52	8	stimulus	stimulus	NOUN
faba-33	52	9	to	to	ADP
faba-33	52	10	the	the	DET
faba-33	52	11	economy	economy	NOUN
faba-33	52	12	through	through	ADP
faba-33	52	13	firms	firm	NOUN
faba-33	52	14	’	’	PART
faba-33	52	15	asset	asset	NOUN
faba-33	52	16	rebalancing	rebalancing	NOUN
faba-33	52	17	.	.	PUNCT
faba-33	53	1	on	on	ADP
faba-33	53	2	the	the	DET
faba-33	53	3	other	other	ADJ
faba-33	53	4	hand	hand	NOUN
faba-33	53	5	,	,	PUNCT
faba-33	53	6	lengthening	lengthen	VERB
faba-33	53	7	the	the	DET
faba-33	53	8	term	term	NOUN
faba-33	53	9	and	and	CCONJ
faba-33	53	10	increasing	increase	VERB
faba-33	53	11	the	the	DET
faba-33	53	12	leverage	leverage	NOUN
faba-33	53	13	of	of	ADP
faba-33	53	14	the	the	DET
faba-33	53	15	company	company	NOUN
faba-33	53	16	’s	’s	PART
faba-33	53	17	assets	asset	NOUN
faba-33	53	18	is	be	AUX
faba-33	53	19	correlated	correlate	VERB
faba-33	53	20	with	with	ADP
faba-33	53	21	a	a	DET
faba-33	53	22	higher	high	ADJ
faba-33	53	23	risk	risk	NOUN
faba-33	53	24	.	.	PUNCT
faba-33	54	1	kay	kay	NOUN
faba-33	54	2	(	(	PUNCT
faba-33	54	3	2018	2018	NUM
faba-33	54	4	)	)	PUNCT
faba-33	54	5	summarizes	summarize	VERB
faba-33	54	6	key	key	ADJ
faba-33	54	7	impacts	impact	NOUN
faba-33	54	8	of	of	ADP
faba-33	54	9	the	the	DET
faba-33	54	10	negative	negative	ADJ
faba-33	54	11	interest	interest	NOUN
faba-33	54	12	rate	rate	NOUN
faba-33	54	13	policy	policy	NOUN
faba-33	54	14	for	for	ADP
faba-33	54	15	the	the	DET
faba-33	54	16	financial	financial	ADJ
faba-33	54	17	stability	stability	NOUN
faba-33	54	18	which	which	PRON
faba-33	54	19	is	be	AUX
faba-33	54	20	another	another	DET
faba-33	54	21	approach	approach	NOUN
faba-33	54	22	towards	towards	ADP
faba-33	54	23	better	well	ADJ
faba-33	54	24	understanding	understanding	NOUN
faba-33	54	25	of	of	ADP
faba-33	54	26	this	this	DET
faba-33	54	27	policy	policy	NOUN
faba-33	54	28	.	.	PUNCT
faba-33	55	1	the	the	DET
faba-33	55	2	more	more	ADV
faba-33	55	3	negative	negative	ADJ
faba-33	55	4	deposit	deposit	NOUN
faba-33	55	5	rates	rate	NOUN
faba-33	55	6	stay	stay	VERB
faba-33	55	7	lower	low	ADJ
faba-33	55	8	,	,	PUNCT
faba-33	55	9	the	the	PRON
faba-33	55	10	stronger	strong	ADJ
faba-33	55	11	the	the	DET
faba-33	55	12	substitution	substitution	NOUN
faba-33	55	13	effect	effect	NOUN
faba-33	55	14	of	of	ADP
faba-33	55	15	deposits	deposit	NOUN
faba-33	55	16	with	with	ADP
faba-33	55	17	cash	cash	NOUN
faba-33	55	18	will	will	AUX
faba-33	55	19	be	be	AUX
faba-33	55	20	.	.	PUNCT
faba-33	56	1	if	if	SCONJ
faba-33	56	2	this	this	DET
faba-33	56	3	effect	effect	NOUN
faba-33	56	4	is	be	AUX
faba-33	56	5	large	large	ADJ
faba-33	56	6	,	,	PUNCT
faba-33	56	7	then	then	ADV
faba-33	56	8	there	there	PRON
faba-33	56	9	may	may	AUX
faba-33	56	10	not	not	PART
faba-33	56	11	be	be	AUX
faba-33	56	12	bills	bill	NOUN
faba-33	56	13	to	to	PART
faba-33	56	14	satisfy	satisfy	VERB
faba-33	56	15	the	the	DET
faba-33	56	16	demand	demand	NOUN
faba-33	56	17	for	for	ADP
faba-33	56	18	cash	cash	NOUN
faba-33	56	19	.	.	PUNCT
faba-33	57	1	this	this	PRON
faba-33	57	2	may	may	AUX
faba-33	57	3	undermine	undermine	VERB
faba-33	57	4	confidence	confidence	NOUN
faba-33	57	5	in	in	ADP
faba-33	57	6	financial	financial	ADJ
faba-33	57	7	institutions	institution	NOUN
faba-33	57	8	,	,	PUNCT
faba-33	57	9	which	which	PRON
faba-33	57	10	,	,	PUNCT
faba-33	57	11	though	though	SCONJ
faba-33	57	12	solvent	solvent	NOUN
faba-33	57	13	,	,	PUNCT
faba-33	57	14	are	be	AUX
faba-33	57	15	unable	unable	ADJ
faba-33	57	16	to	to	PART
faba-33	57	17	meet	meet	VERB
faba-33	57	18	the	the	DET
faba-33	57	19	demands	demand	NOUN
faba-33	57	20	for	for	ADP
faba-33	57	21	cash	cash	NOUN
faba-33	57	22	withdrawal	withdrawal	NOUN
faba-33	57	23	(	(	PUNCT
faba-33	57	24	kay	kay	PROPN
faba-33	57	25	,	,	PUNCT
faba-33	57	26	2018	2018	NUM
faba-33	57	27	)	)	PUNCT
faba-33	57	28	.	.	PUNCT
faba-33	58	1	kay	kay	PROPN
faba-33	58	2	argues	argue	VERB
faba-33	58	3	that	that	SCONJ
faba-33	58	4	the	the	DET
faba-33	58	5	longer	long	ADJ
faba-33	58	6	or	or	CCONJ
faba-33	58	7	deeper	deep	ADJ
faba-33	58	8	the	the	DET
faba-33	58	9	negative	negative	ADJ
faba-33	58	10	interest	interest	NOUN
faba-33	58	11	rates	rate	NOUN
faba-33	58	12	go	go	VERB
faba-33	58	13	the	the	DET
faba-33	58	14	more	more	ADV
faba-33	58	15	adhere	adhere	ADJ
faba-33	58	16	market	market	NOUN
faba-33	58	17	participants	participant	NOUN
faba-33	58	18	will	will	AUX
faba-33	58	19	be	be	AUX
faba-33	58	20	to	to	PART
faba-33	58	21	replace	replace	VERB
faba-33	58	22	deposits	deposit	NOUN
faba-33	58	23	with	with	ADP
faba-33	58	24	alternatives	alternative	NOUN
faba-33	58	25	.	.	PUNCT
faba-33	59	1	there	there	PRON
faba-33	59	2	are	be	VERB
faba-33	59	3	also	also	ADV
faba-33	59	4	controversial	controversial	ADJ
faba-33	59	5	discussions	discussion	NOUN
faba-33	59	6	and	and	CCONJ
faba-33	59	7	announcements	announcement	NOUN
faba-33	59	8	in	in	ADP
faba-33	59	9	the	the	DET
faba-33	59	10	media	medium	NOUN
faba-33	59	11	by	by	ADP
faba-33	59	12	some	some	DET
faba-33	59	13	top	top	ADJ
faba-33	59	14	management	management	NOUN
faba-33	59	15	experts	expert	NOUN
faba-33	59	16	in	in	ADP
faba-33	59	17	the	the	DET
faba-33	59	18	financial	financial	ADJ
faba-33	59	19	sector	sector	NOUN
faba-33	59	20	in	in	ADP
faba-33	59	21	regard	regard	NOUN
faba-33	59	22	of	of	ADP
faba-33	59	23	the	the	DET
faba-33	59	24	effect	effect	NOUN
faba-33	59	25	and	and	CCONJ
faba-33	59	26	use	use	NOUN
faba-33	59	27	of	of	ADP
faba-33	59	28	the	the	DET
faba-33	59	29	negative	negative	ADJ
faba-33	59	30	interest	interest	NOUN
faba-33	59	31	rate	rate	NOUN
faba-33	59	32	policy	policy	NOUN
faba-33	59	33	.	.	PUNCT
faba-33	60	1	negative	negative	ADJ
faba-33	60	2	interest	interest	NOUN
faba-33	60	3	rates	rate	NOUN
faba-33	60	4	could	could	AUX
faba-33	60	5	be	be	AUX
faba-33	60	6	a	a	DET
faba-33	60	7	tax	tax	NOUN
faba-33	60	8	on	on	ADP
faba-33	60	9	banks	bank	NOUN
faba-33	60	10	,	,	PUNCT
faba-33	60	11	which	which	PRON
faba-33	60	12	in	in	ADP
faba-33	60	13	terns	tern	NOUN
faba-33	60	14	is	be	AUX
faba-33	60	15	paid	pay	VERB
faba-33	60	16	by	by	ADP
faba-33	60	17	the	the	DET
faba-33	60	18	business	business	NOUN
faba-33	60	19	and	and	CCONJ
faba-33	60	20	individuals	individual	NOUN
faba-33	60	21	.	.	PUNCT
faba-33	61	1	on	on	ADP
faba-33	61	2	the	the	DET
faba-33	61	3	controversary	controversary	ADJ
faba-33	61	4	mr	mr	PROPN
faba-33	61	5	.	.	PROPN
faba-33	61	6	mustier	mustier	PROPN
faba-33	61	7	rather	rather	ADV
faba-33	61	8	supports	support	VERB
faba-33	61	9	the	the	DET
faba-33	61	10	nirp	nirp	NOUN
faba-33	61	11	because	because	SCONJ
faba-33	61	12	of	of	ADP
faba-33	61	13	their	their	PRON
faba-33	61	14	contribution	contribution	NOUN
faba-33	61	15	to	to	ADP
faba-33	61	16	the	the	DET
faba-33	61	17	eurozone	eurozone	NOUN
faba-33	61	18	economy	economy	NOUN
faba-33	61	19	and	and	CCONJ
faba-33	61	20	positive	positive	ADJ
faba-33	61	21	effect	effect	NOUN
faba-33	61	22	on	on	ADP
faba-33	61	23	bank	bank	NOUN
faba-33	61	24	“	"	PUNCT
faba-33	61	25	provisions	provision	NOUN
faba-33	61	26	”	"	PUNCT
faba-33	61	27	(	(	PUNCT
faba-33	61	28	ft	ft	NOUN
faba-33	61	29	,	,	PUNCT
faba-33	61	30	1.10.2019	1.10.2019	NUM
faba-33	61	31	)	)	PUNCT
faba-33	61	32	.	.	PUNCT
faba-33	62	1	some	some	PRON
faba-33	62	2	less	less	ADV
faba-33	62	3	immediately	immediately	ADV
faba-33	62	4	obvious	obvious	ADJ
faba-33	62	5	problems	problem	NOUN
faba-33	62	6	stemming	stem	VERB
faba-33	62	7	from	from	ADP
faba-33	62	8	very	very	ADV
faba-33	62	9	loose	loose	ADJ
faba-33	62	10	monetary	monetary	ADJ
faba-33	62	11	policy	policy	NOUN
faba-33	62	12	is	be	AUX
faba-33	62	13	for	for	ADP
faba-33	62	14	example	example	NOUN
faba-33	62	15	the	the	DET
faba-33	62	16	huge	huge	ADJ
faba-33	62	17	build	build	NOUN
faba-33	62	18	up	up	ADP
faba-33	62	19	in	in	ADP
faba-33	62	20	public	public	ADJ
faba-33	62	21	and	and	CCONJ
faba-33	62	22	private	private	ADJ
faba-33	62	23	debt	debt	NOUN
faba-33	62	24	across	across	ADP
faba-33	62	25	the	the	DET
faba-33	62	26	developed	developed	ADJ
faba-33	62	27	world	world	NOUN
faba-33	62	28	(	(	PUNCT
faba-33	62	29	the	the	DET
faba-33	62	30	highest	high	ADJ
faba-33	62	31	ever	ever	ADV
faba-33	62	32	in	in	ADP
faba-33	62	33	peacetime	peacetime	NOUN
faba-33	62	34	)	)	PUNCT
faba-33	62	35	and	and	CCONJ
faba-33	62	36	the	the	DET
faba-33	62	37	low	low	ADJ
faba-33	62	38	quality	quality	NOUN
faba-33	62	39	of	of	ADP
faba-33	62	40	much	much	ADJ
faba-33	62	41	of	of	ADP
faba-33	62	42	that	that	DET
faba-33	62	43	debt	debt	NOUN
faba-33	62	44	(	(	PUNCT
faba-33	62	45	ft	ft	NOUN
faba-33	62	46	,	,	PUNCT
faba-33	62	47	7.20.2019	7.20.2019	NUM
faba-33	62	48	)	)	PUNCT
faba-33	62	49	.	.	PUNCT
faba-33	63	1	hypotheses	hypothese	VERB
faba-33	63	2	development	development	NOUN
faba-33	63	3	and	and	CCONJ
faba-33	63	4	research	research	NOUN
faba-33	63	5	methods	method	NOUN
faba-33	63	6	the	the	DET
faba-33	63	7	questions	question	NOUN
faba-33	63	8	that	that	PRON
faba-33	63	9	negative	negative	ADJ
faba-33	63	10	interest	interest	NOUN
faba-33	63	11	rates	rate	NOUN
faba-33	63	12	trigger	trigger	NOUN
faba-33	63	13	are	be	AUX
faba-33	63	14	quite	quite	ADV
faba-33	63	15	broad	broad	ADJ
faba-33	63	16	as	as	SCONJ
faba-33	63	17	they	they	PRON
faba-33	63	18	impact	impact	VERB
faba-33	63	19	all	all	DET
faba-33	63	20	market	market	NOUN
faba-33	63	21	participants	participant	NOUN
faba-33	63	22	–	–	PUNCT
faba-33	63	23	banks	bank	NOUN
faba-33	63	24	,	,	PUNCT
faba-33	63	25	households	household	NOUN
faba-33	63	26	,	,	PUNCT
faba-33	63	27	companies	company	NOUN
faba-33	63	28	,	,	PUNCT
faba-33	63	29	government	government	NOUN
faba-33	63	30	authorities	authority	NOUN
faba-33	63	31	.	.	PUNCT
faba-33	64	1	in	in	ADP
faba-33	64	2	this	this	DET
faba-33	64	3	paper	paper	NOUN
faba-33	64	4	more	more	ADV
faba-33	64	5	accent	accent	ADJ
faba-33	64	6	will	will	AUX
faba-33	64	7	be	be	AUX
faba-33	64	8	put	put	VERB
faba-33	64	9	on	on	ADP
faba-33	64	10	deposit	deposit	NOUN
faba-33	64	11	and	and	CCONJ
faba-33	64	12	loan	loan	NOUN
faba-33	64	13	interest	interest	NOUN
faba-33	64	14	rates	rate	NOUN
faba-33	64	15	for	for	ADP
faba-33	64	16	households	household	NOUN
faba-33	64	17	and	and	CCONJ
faba-33	64	18	non	non	ADJ
faba-33	64	19	-	-	ADJ
faba-33	64	20	financial	financial	ADJ
faba-33	64	21	corporations	corporation	NOUN
faba-33	64	22	.	.	PUNCT
faba-33	65	1	the	the	DET
faba-33	65	2	main	main	ADJ
faba-33	65	3	observed	observed	ADJ
faba-33	65	4	set	set	NOUN
faba-33	65	5	of	of	ADP
faba-33	65	6	interest	interest	NOUN
faba-33	65	7	rates	rate	NOUN
faba-33	65	8	is	be	AUX
faba-33	65	9	for	for	SCONJ
faba-33	65	10	bulgarian	bulgarian	ADJ
faba-33	65	11	deposits	deposit	NOUN
faba-33	65	12	and	and	CCONJ
faba-33	65	13	loans	loan	NOUN
faba-33	65	14	for	for	ADP
faba-33	65	15	the	the	DET
faba-33	65	16	period	period	NOUN
faba-33	65	17	of	of	ADP
faba-33	65	18	1.1.2007	1.1.2007	NUM
faba-33	65	19	to	to	ADP
faba-33	65	20	2.2.2020	2.2.2020	NUM
faba-33	65	21	and	and	CCONJ
faba-33	65	22	some	some	DET
faba-33	65	23	observations	observation	NOUN
faba-33	65	24	for	for	ADP
faba-33	65	25	the	the	DET
faba-33	65	26	germany	germany	PROPN
faba-33	65	27	’s	’s	PART
faba-33	65	28	interest	interest	NOUN
faba-33	65	29	rates	rate	NOUN
faba-33	65	30	on	on	ADP
faba-33	65	31	deposits	deposit	NOUN
faba-33	65	32	and	and	CCONJ
faba-33	65	33	loans	loan	NOUN
faba-33	65	34	for	for	ADP
faba-33	65	35	the	the	DET
faba-33	65	36	same	same	ADJ
faba-33	65	37	period	period	NOUN
faba-33	65	38	are	be	AUX
faba-33	65	39	done	do	VERB
faba-33	65	40	.	.	PUNCT
faba-33	66	1	germany	germany	PROPN
faba-33	66	2	is	be	AUX
faba-33	66	3	chosen	choose	VERB
faba-33	66	4	therefore	therefore	ADV
faba-33	66	5	to	to	ADP
faba-33	66	6	an	an	DET
faba-33	66	7	ecb	ecb	NOUN
faba-33	66	8	article	article	NOUN
faba-33	66	9	(	(	PUNCT
faba-33	66	10	altavilla	altavilla	PROPN
faba-33	66	11	c.	c.	PROPN
faba-33	66	12	et	et	PROPN
faba-33	66	13	.	.	PUNCT
faba-33	67	1	al	al	PROPN
faba-33	67	2	,	,	PUNCT
faba-33	67	3	2019	2019	NUM
faba-33	67	4	)	)	PUNCT
faba-33	67	5	where	where	SCONJ
faba-33	67	6	it	it	PRON
faba-33	67	7	is	be	AUX
faba-33	67	8	shown	show	VERB
faba-33	67	9	that	that	SCONJ
faba-33	67	10	impact	impact	NOUN
faba-33	67	11	of	of	ADP
faba-33	67	12	nirp	nirp	NOUN
faba-33	67	13	in	in	ADP
faba-33	67	14	germany	germany	PROPN
faba-33	67	15	is	be	AUX
faba-33	67	16	rather	rather	ADV
faba-33	67	17	stronger	strong	ADJ
faba-33	67	18	than	than	ADP
faba-33	67	19	in	in	ADP
faba-33	67	20	the	the	DET
faba-33	67	21	other	other	ADJ
faba-33	67	22	countries	country	NOUN
faba-33	67	23	.	.	PUNCT
faba-33	68	1	in	in	ADP
faba-33	68	2	bulgaria	bulgaria	PROPN
faba-33	68	3	on	on	ADP
faba-33	68	4	the	the	DET
faba-33	68	5	other	other	ADJ
faba-33	68	6	side	side	NOUN
faba-33	68	7	no	no	DET
faba-33	68	8	negative	negative	ADJ
faba-33	68	9	interest	interest	NOUN
faba-33	68	10	rates	rate	NOUN
faba-33	68	11	for	for	ADP
faba-33	68	12	deposits	deposit	NOUN
faba-33	68	13	of	of	ADP
faba-33	68	14	households	household	NOUN
faba-33	68	15	are	be	AUX
faba-33	68	16	in	in	ADP
faba-33	68	17	place	place	NOUN
faba-33	68	18	,	,	PUNCT
faba-33	68	19	though	though	SCONJ
faba-33	68	20	they	they	PRON
faba-33	68	21	are	be	AUX
faba-33	68	22	stuck	stuck	ADJ
faba-33	68	23	on	on	ADP
faba-33	68	24	the	the	DET
faba-33	68	25	0	0	NUM
faba-33	68	26	level	level	NOUN
faba-33	68	27	.	.	PUNCT
faba-33	69	1	the	the	DET
faba-33	69	2	methodological	methodological	ADJ
faba-33	69	3	approach	approach	NOUN
faba-33	69	4	is	be	AUX
faba-33	69	5	to	to	PART
faba-33	69	6	test	test	VERB
faba-33	69	7	the	the	DET
faba-33	69	8	correlation	correlation	NOUN
faba-33	69	9	by	by	ADP
faba-33	69	10	multiple	multiple	ADJ
faba-33	69	11	regression	regression	NOUN
faba-33	69	12	and	and	CCONJ
faba-33	69	13	to	to	PART
faba-33	69	14	compare	compare	VERB
faba-33	69	15	both	both	DET
faba-33	69	16	countries	country	NOUN
faba-33	69	17	,	,	PUNCT
faba-33	69	18	but	but	CCONJ
faba-33	69	19	not	not	PART
faba-33	69	20	only	only	ADV
faba-33	69	21	comparative	comparative	ADJ
faba-33	69	22	analysis	analysis	NOUN
faba-33	69	23	is	be	AUX
faba-33	69	24	important	important	ADJ
faba-33	69	25	,	,	PUNCT
faba-33	69	26	but	but	CCONJ
faba-33	69	27	a	a	DET
faba-33	69	28	rather	rather	ADV
faba-33	69	29	detailed	detailed	ADJ
faba-33	69	30	analysis	analysis	NOUN
faba-33	69	31	of	of	ADP
faba-33	69	32	the	the	DET
faba-33	69	33	trendlines	trendline	NOUN
faba-33	69	34	in	in	ADP
faba-33	69	35	bulgaria	bulgaria	PROPN
faba-33	69	36	for	for	ADP
faba-33	69	37	the	the	DET
faba-33	69	38	levels	level	NOUN
faba-33	69	39	of	of	ADP
faba-33	69	40	interest	interest	NOUN
faba-33	69	41	rates	rate	NOUN
faba-33	69	42	,	,	PUNCT
faba-33	69	43	as	as	SCONJ
faba-33	69	44	comparative	comparative	ADJ
faba-33	69	45	analysis	analysis	NOUN
faba-33	69	46	to	to	PART
faba-33	69	47	be	be	AUX
faba-33	69	48	reliable	reliable	ADJ
faba-33	69	49	should	should	AUX
faba-33	69	50	include	include	VERB
faba-33	69	51	also	also	ADV
faba-33	69	52	other	other	ADJ
faba-33	69	53	factors	factor	NOUN
faba-33	69	54	which	which	PRON
faba-33	69	55	catch	catch	VERB
faba-33	69	56	the	the	DET
faba-33	69	57	differences	difference	NOUN
faba-33	69	58	in	in	ADP
faba-33	69	59	the	the	DET
faba-33	69	60	researched	research	VERB
faba-33	69	61	economies	economy	NOUN
faba-33	69	62	.	.	PUNCT
faba-33	70	1	data	datum	NOUN
faba-33	70	2	sets	set	NOUN
faba-33	70	3	are	be	AUX
faba-33	70	4	taken	take	VERB
faba-33	70	5	from	from	ADP
faba-33	70	6	the	the	DET
faba-33	70	7	websites	website	NOUN
faba-33	70	8	of	of	ADP
faba-33	70	9	the	the	DET
faba-33	70	10	bulgarian	bulgarian	PROPN
faba-33	70	11	national	national	PROPN
faba-33	70	12	bank	bank	PROPN
faba-33	70	13	and	and	CCONJ
faba-33	70	14	deutsche	deutsche	PROPN
faba-33	70	15	bundesbank	bundesbank	PROPN
faba-33	70	16	.	.	PUNCT
faba-33	71	1	result	result	VERB
faba-33	71	2	altavilla	altavilla	PROPN
faba-33	71	3	c.	c.	PROPN
faba-33	71	4	et	et	PROPN
faba-33	71	5	findings	finding	NOUN
faba-33	71	6	indicate	indicate	VERB
faba-33	71	7	in	in	ADP
faba-33	71	8	non	non	ADJ
faba-33	71	9	-	-	NOUN
faba-33	71	10	dependence	dependence	NOUN
faba-33	71	11	of	of	ADP
faba-33	71	12	credit	credit	NOUN
faba-33	71	13	rates	rate	NOUN
faba-33	71	14	to	to	PART
faba-33	71	15	deposit	deposit	VERB
faba-33	71	16	rates	rate	NOUN
faba-33	71	17	in	in	ADP
faba-33	71	18	some	some	DET
faba-33	71	19	cases	case	NOUN
faba-33	71	20	.	.	PUNCT
faba-33	72	1	this	this	PRON
faba-33	72	2	triggered	trigger	VERB
faba-33	72	3	interest	interest	NOUN
faba-33	72	4	to	to	PART
faba-33	72	5	see	see	VERB
faba-33	72	6	what	what	PRON
faba-33	72	7	the	the	DET
faba-33	72	8	correlation	correlation	NOUN
faba-33	72	9	between	between	ADP
faba-33	72	10	deposit	deposit	NOUN
faba-33	72	11	and	and	CCONJ
faba-33	72	12	loan	loan	NOUN
faba-33	72	13	interest	interest	NOUN
faba-33	72	14	rates	rate	NOUN
faba-33	72	15	is	be	AUX
faba-33	72	16	.	.	PUNCT
faba-33	73	1	as	as	SCONJ
faba-33	73	2	bulgaria	bulgaria	PROPN
faba-33	73	3	is	be	AUX
faba-33	73	4	not	not	PART
faba-33	73	5	part	part	NOUN
faba-33	73	6	of	of	ADP
faba-33	73	7	the	the	DET
faba-33	73	8	ecb	ecb	NOUN
faba-33	73	9	’s	’s	PART
faba-33	73	10	survey	survey	NOUN
faba-33	73	11	a	a	DET
faba-33	73	12	comparison	comparison	NOUN
faba-33	73	13	is	be	AUX
faba-33	73	14	made	make	VERB
faba-33	73	15	about	about	ADP
faba-33	73	16	bulgaria	bulgaria	PROPN
faba-33	73	17	and	and	CCONJ
faba-33	73	18	germany	germany	PROPN
faba-33	73	19	.	.	PUNCT
faba-33	74	1	of	of	ADP
faba-33	74	2	course	course	ADV
faba-33	74	3	,	,	PUNCT
faba-33	74	4	for	for	ADP
faba-33	74	5	best	good	ADJ
faba-33	74	6	results	result	NOUN
faba-33	74	7	and	and	CCONJ
faba-33	74	8	conclusions	conclusion	NOUN
faba-33	74	9	more	more	ADV
faba-33	74	10	comparative	comparative	ADJ
faba-33	74	11	analysis	analysis	NOUN
faba-33	74	12	for	for	ADP
faba-33	74	13	more	more	ADJ
faba-33	74	14	countries	country	NOUN
faba-33	74	15	could	could	AUX
faba-33	74	16	be	be	AUX
faba-33	74	17	done	do	VERB
faba-33	74	18	,	,	PUNCT
faba-33	74	19	but	but	CCONJ
faba-33	74	20	that	that	PRON
faba-33	74	21	is	be	AUX
faba-33	74	22	part	part	NOUN
faba-33	74	23	of	of	ADP
faba-33	74	24	a	a	DET
faba-33	74	25	bigger	big	ADJ
faba-33	74	26	survey	survey	NOUN
faba-33	74	27	,	,	PUNCT
faba-33	74	28	whit	whit	NOUN
faba-33	74	29	larger	large	ADJ
faba-33	74	30	volume	volume	NOUN
faba-33	74	31	than	than	ADP
faba-33	74	32	the	the	DET
faba-33	74	33	present	present	ADJ
faba-33	74	34	paper	paper	NOUN
faba-33	74	35	.	.	PUNCT
faba-33	75	1	here	here	ADV
faba-33	75	2	it	it	PRON
faba-33	75	3	is	be	AUX
faba-33	75	4	aimed	aim	VERB
faba-33	75	5	to	to	PART
faba-33	75	6	see	see	VERB
faba-33	75	7	what	what	PRON
faba-33	75	8	the	the	DET
faba-33	75	9	interrelationships	interrelationship	NOUN
faba-33	75	10	and	and	CCONJ
faba-33	75	11	characteristics	characteristic	NOUN
faba-33	75	12	of	of	ADP
faba-33	75	13	bank	bank	NOUN
faba-33	75	14	interest	interest	NOUN
faba-33	75	15	rates	rate	NOUN
faba-33	75	16	are	be	AUX
faba-33	75	17	and	and	CCONJ
faba-33	75	18	compare	compare	VERB
faba-33	75	19	some	some	PRON
faba-33	75	20	of	of	ADP
faba-33	75	21	them	they	PRON
faba-33	75	22	with	with	ADP
faba-33	75	23	a	a	DET
faba-33	75	24	sample	sample	NOUN
faba-33	75	25	country	country	NOUN
faba-33	75	26	from	from	ADP
faba-33	75	27	the	the	DET
faba-33	75	28	euro	euro	PROPN
faba-33	75	29	area	area	NOUN
faba-33	75	30	.	.	PUNCT
faba-33	76	1	household	household	NOUN
faba-33	76	2	deposits	deposit	NOUN
faba-33	76	3	and	and	CCONJ
faba-33	76	4	loans	loan	NOUN
faba-33	76	5	interest	interest	NOUN
faba-33	76	6	rates	rate	NOUN
faba-33	76	7	on	on	ADP
faba-33	76	8	figure	figure	NOUN
faba-33	76	9	1	1	NUM
faba-33	76	10	and	and	CCONJ
faba-33	76	11	2	2	NUM
faba-33	76	12	information	information	NOUN
faba-33	76	13	is	be	AUX
faba-33	76	14	given	give	VERB
faba-33	76	15	about	about	ADP
faba-33	76	16	deposit	deposit	NOUN
faba-33	76	17	interest	interest	NOUN
faba-33	76	18	rates	rate	NOUN
faba-33	76	19	for	for	ADP
faba-33	76	20	households	household	NOUN
faba-33	76	21	with	with	ADP
faba-33	76	22	maturity	maturity	NOUN
faba-33	76	23	up	up	ADP
faba-33	76	24	to	to	ADP
faba-33	76	25	one	one	NUM
faba-33	76	26	year	year	NOUN
faba-33	76	27	and	and	CCONJ
faba-33	76	28	household	household	NOUN
faba-33	76	29	consumption	consumption	NOUN
faba-33	76	30	loans	loan	NOUN
faba-33	76	31	interest	interest	NOUN
faba-33	76	32	rates	rate	NOUN
faba-33	76	33	with	with	ADP
faba-33	76	34	maturity	maturity	NOUN
faba-33	76	35	from	from	ADP
faba-33	76	36	1	1	NUM
faba-33	76	37	to	to	PART
faba-33	76	38	5	5	NUM
faba-33	76	39	years	year	NOUN
faba-33	76	40	.	.	PUNCT
faba-33	77	1	for	for	ADP
faba-33	77	2	both	both	DET
faba-33	77	3	deposits	deposit	NOUN
faba-33	77	4	and	and	CCONJ
faba-33	77	5	loans	loan	NOUN
faba-33	77	6	is	be	AUX
faba-33	77	7	chosen	choose	VERB
faba-33	77	8	a	a	DET
faba-33	77	9	short	short	ADJ
faba-33	77	10	to	to	ADP
faba-33	77	11	mid	mid	NOUN
faba-33	77	12	-	-	NOUN
faba-33	77	13	term	term	NOUN
faba-33	77	14	,	,	PUNCT
faba-33	77	15	where	where	SCONJ
faba-33	77	16	interest	interest	NOUN
faba-33	77	17	rates	rate	NOUN
faba-33	77	18	tend	tend	VERB
faba-33	77	19	to	to	PART
faba-33	77	20	be	be	AUX
faba-33	77	21	more	more	ADV
faba-33	77	22	sensitive	sensitive	ADJ
faba-33	77	23	to	to	ADP
faba-33	77	24	changes	change	NOUN
faba-33	77	25	in	in	ADP
faba-33	77	26	market	market	NOUN
faba-33	77	27	interest	interest	NOUN
faba-33	77	28	rates	rate	NOUN
faba-33	77	29	or	or	CCONJ
faba-33	77	30	policy	policy	NOUN
faba-33	77	31	interest	interest	NOUN
faba-33	77	32	rates	rate	NOUN
faba-33	77	33	also	also	ADV
faba-33	77	34	,	,	PUNCT
faba-33	77	35	they	they	PRON
faba-33	77	36	contain	contain	VERB
faba-33	77	37	information	information	NOUN
faba-33	77	38	on	on	ADP
faba-33	77	39	the	the	DET
faba-33	77	40	events	event	NOUN
faba-33	77	41	and	and	CCONJ
faba-33	77	42	shocks	shock	NOUN
faba-33	77	43	that	that	PRON
faba-33	77	44	diyana	diyana	PROPN
faba-33	77	45	miteva	miteva	PROPN
faba-33	77	46	/	/	SYM
faba-33	77	47	finance	finance	NOUN
faba-33	77	48	,	,	PUNCT
faba-33	77	49	accounting	accounting	NOUN
faba-33	77	50	and	and	CCONJ
faba-33	77	51	business	business	NOUN
faba-33	77	52	analysis	analysis	NOUN
faba-33	77	53	2	2	NUM
faba-33	77	54	(	(	PUNCT
faba-33	77	55	1	1	NUM
faba-33	77	56	)	)	PUNCT
faba-33	77	57	2020	2020	NUM
faba-33	77	58	45	45	NUM
faba-33	77	59	appear	appear	VERB
faba-33	77	60	through	through	ADP
faba-33	77	61	the	the	DET
faba-33	77	62	time	time	NOUN
faba-33	77	63	.	.	PUNCT
faba-33	78	1	the	the	DET
faba-33	78	2	deposits	deposit	NOUN
faba-33	78	3	and	and	CCONJ
faba-33	78	4	loans	loan	NOUN
faba-33	78	5	for	for	ADP
faba-33	78	6	bulgaria	bulgaria	PROPN
faba-33	78	7	are	be	AUX
faba-33	78	8	in	in	ADP
faba-33	78	9	bgn	bgn	NOUN
faba-33	78	10	currency	currency	NOUN
faba-33	78	11	on	on	ADP
faba-33	78	12	figure	figure	NOUN
faba-33	78	13	2	2	NUM
faba-33	78	14	.	.	PUNCT
faba-33	79	1	for	for	ADP
faba-33	79	2	the	the	DET
faba-33	79	3	period	period	NOUN
faba-33	79	4	of	of	ADP
faba-33	79	5	2007	2007	NUM
faba-33	79	6	-	-	SYM
faba-33	79	7	2020	2020	NUM
faba-33	79	8	the	the	DET
faba-33	79	9	ratio	ratio	NOUN
faba-33	79	10	between	between	ADP
faba-33	79	11	deposits	deposit	NOUN
faba-33	79	12	in	in	ADP
faba-33	79	13	bgn	bgn	NOUN
faba-33	79	14	and	and	CCONJ
faba-33	79	15	foreign	foreign	ADJ
faba-33	79	16	currency	currency	NOUN
faba-33	79	17	in	in	ADP
faba-33	79	18	bulgaria	bulgaria	PROPN
faba-33	79	19	is	be	AUX
faba-33	79	20	approx	approx	PROPN
faba-33	79	21	.	.	PUNCT
faba-33	80	1	57	57	NUM
faba-33	80	2	%	%	NOUN
faba-33	80	3	to	to	PART
faba-33	80	4	43	43	NUM
faba-33	80	5	%	%	NOUN
faba-33	80	6	as	as	ADP
faba-33	80	7	of	of	ADP
faba-33	80	8	all	all	DET
faba-33	80	9	deposits	deposit	NOUN
faba-33	80	10	(	(	PUNCT
faba-33	80	11	bnb	bnb	NOUN
faba-33	80	12	statistics	statistic	NOUN
faba-33	80	13	,	,	PUNCT
faba-33	80	14	self	self	NOUN
faba-33	80	15	-	-	PUNCT
faba-33	80	16	calculations	calculation	NOUN
faba-33	80	17	)	)	PUNCT
faba-33	80	18	.	.	PUNCT
faba-33	81	1	the	the	DET
faba-33	81	2	bulgarian	bulgarian	ADJ
faba-33	81	3	currency	currency	NOUN
faba-33	81	4	is	be	AUX
faba-33	81	5	fixed	fix	VERB
faba-33	81	6	to	to	ADP
faba-33	81	7	the	the	DET
faba-33	81	8	eur	eur	NOUN
faba-33	81	9	with	with	ADP
faba-33	81	10	ratio	ratio	NOUN
faba-33	81	11	1,95583	1,95583	PROPN
faba-33	81	12	bgn	bgn	NOUN
faba-33	81	13	for	for	ADP
faba-33	81	14	1	1	NUM
faba-33	81	15	eur	eur	NOUN
faba-33	81	16	,	,	PUNCT
faba-33	81	17	as	as	SCONJ
faba-33	81	18	the	the	DET
faba-33	81	19	country	country	NOUN
faba-33	81	20	is	be	AUX
faba-33	81	21	in	in	ADP
faba-33	81	22	currency	currency	NOUN
faba-33	81	23	board	board	NOUN
faba-33	81	24	since	since	SCONJ
faba-33	81	25	july	july	PROPN
faba-33	81	26	1997	1997	NUM
faba-33	81	27	.	.	PUNCT
faba-33	82	1	fig	fig	NOUN
faba-33	82	2	.	.	PUNCT
faba-33	83	1	1	1	NUM
faba-33	83	2	source	source	NOUN
faba-33	83	3	:	:	PUNCT
faba-33	83	4	self	self	NOUN
faba-33	83	5	calculations	calculation	NOUN
faba-33	83	6	,	,	PUNCT
faba-33	83	7	deutsche	deutsche	PROPN
faba-33	83	8	bundesbank	bundesbank	PROPN
faba-33	83	9	statistics	statistics	PROPN
faba-33	83	10	fig	fig	PROPN
faba-33	83	11	.	.	PUNCT
faba-33	84	1	2	2	NUM
faba-33	84	2	source	source	NOUN
faba-33	84	3	:	:	PUNCT
faba-33	84	4	self	self	NOUN
faba-33	84	5	calculations	calculation	NOUN
faba-33	84	6	,	,	PUNCT
faba-33	84	7	bulgarian	bulgarian	PROPN
faba-33	84	8	national	national	PROPN
faba-33	84	9	bank	bank	PROPN
faba-33	84	10	statistics	statistic	NOUN
faba-33	84	11	.	.	PUNCT
faba-33	85	1	from	from	ADP
faba-33	85	2	the	the	DET
faba-33	85	3	figures	figure	NOUN
faba-33	85	4	above	above	ADP
faba-33	85	5	it	it	PRON
faba-33	85	6	could	could	AUX
faba-33	85	7	be	be	AUX
faba-33	85	8	clearly	clearly	ADV
faba-33	85	9	noticed	notice	VERB
faba-33	85	10	that	that	SCONJ
faba-33	85	11	trendlines	trendline	NOUN
faba-33	85	12	of	of	ADP
faba-33	85	13	german	german	ADJ
faba-33	85	14	deposits	deposit	NOUN
faba-33	85	15	and	and	CCONJ
faba-33	85	16	loans	loan	NOUN
faba-33	85	17	are	be	AUX
faba-33	85	18	similar	similar	ADJ
faba-33	85	19	as	as	ADV
faba-33	85	20	well	well	ADV
faba-33	85	21	as	as	ADP
faba-33	85	22	the	the	DET
faba-33	85	23	net	net	ADJ
faba-33	85	24	interest	interest	NOUN
faba-33	85	25	margin	margin	NOUN
faba-33	85	26	.	.	PUNCT
faba-33	86	1	also	also	ADV
faba-33	86	2	,	,	PUNCT
faba-33	86	3	after	after	ADP
faba-33	86	4	2014	2014	NUM
faba-33	86	5	the	the	DET
faba-33	86	6	decrease	decrease	NOUN
faba-33	86	7	in	in	ADP
faba-33	86	8	the	the	DET
faba-33	86	9	deposit	deposit	NOUN
faba-33	86	10	interest	interest	NOUN
faba-33	86	11	rates	rate	NOUN
faba-33	86	12	due	due	ADP
faba-33	86	13	to	to	ADP
faba-33	86	14	the	the	DET
faba-33	86	15	negative	negative	ADJ
faba-33	86	16	interest	interest	NOUN
faba-33	86	17	rate	rate	NOUN
faba-33	86	18	policy	policy	NOUN
faba-33	86	19	are	be	AUX
faba-33	86	20	obvious	obvious	ADJ
faba-33	86	21	as	as	ADV
faba-33	86	22	well	well	ADV
faba-33	86	23	as	as	ADP
faba-33	86	24	in	in	ADP
faba-33	86	25	the	the	DET
faba-33	86	26	loans	loan	NOUN
faba-33	86	27	rates	rate	NOUN
faba-33	86	28	.	.	PUNCT
faba-33	87	1	on	on	ADP
faba-33	87	2	the	the	DET
faba-33	87	3	other	other	ADJ
faba-33	87	4	side	side	NOUN
faba-33	87	5	,	,	PUNCT
faba-33	87	6	the	the	DET
faba-33	87	7	picture	picture	NOUN
faba-33	87	8	in	in	ADP
faba-33	87	9	bulgaria	bulgaria	PROPN
faba-33	87	10	is	be	AUX
faba-33	87	11	slightly	slightly	ADV
faba-33	87	12	different	different	ADJ
faba-33	87	13	.	.	PUNCT
faba-33	88	1	since	since	SCONJ
faba-33	88	2	2009	2009	NUM
faba-33	88	3	continuous	continuous	ADJ
faba-33	88	4	decreasing	decrease	VERB
faba-33	88	5	trendline	trendline	NOUN
faba-33	88	6	of	of	ADP
faba-33	88	7	deposit	deposit	NOUN
faba-33	88	8	rates	rate	NOUN
faba-33	88	9	is	be	AUX
faba-33	88	10	observed	observe	VERB
faba-33	88	11	reaching	reach	VERB
faba-33	88	12	close	close	ADV
faba-33	88	13	to	to	ADP
faba-33	88	14	zero	zero	NUM
faba-33	88	15	values	value	NOUN
faba-33	88	16	once	once	SCONJ
faba-33	88	17	the	the	DET
faba-33	88	18	bulgarian	bulgarian	PROPN
faba-33	88	19	national	national	PROPN
faba-33	88	20	bank	bank	PROPN
faba-33	88	21	(	(	PUNCT
faba-33	88	22	bnb	bnb	NOUN
faba-33	88	23	)	)	PUNCT
faba-33	88	24	introduced	introduce	VERB
faba-33	88	25	negative	negative	ADJ
faba-33	88	26	interest	interest	NOUN
faba-33	88	27	rates	rate	NOUN
faba-33	88	28	on	on	ADP
faba-33	88	29	excess	excess	ADJ
faba-33	88	30	reserves	reserve	NOUN
faba-33	88	31	in	in	ADP
faba-33	88	32	january	january	PROPN
faba-33	88	33	2016	2016	NUM
faba-33	88	34	.	.	PUNCT
faba-33	89	1	different	different	ADJ
faba-33	89	2	trendline	trendline	NOUN
faba-33	89	3	is	be	AUX
faba-33	89	4	observed	observe	VERB
faba-33	89	5	about	about	ADP
faba-33	89	6	the	the	DET
faba-33	89	7	household	household	NOUN
faba-33	89	8	’s	’s	PART
faba-33	89	9	midterm	midterm	NOUN
faba-33	89	10	loans	loan	NOUN
faba-33	89	11	rates	rate	NOUN
faba-33	89	12	which	which	PRON
faba-33	89	13	show	show	VERB
faba-33	89	14	rather	rather	ADV
faba-33	89	15	no	no	DET
faba-33	89	16	trendline	trendline	NOUN
faba-33	89	17	.	.	PUNCT
faba-33	90	1	this	this	PRON
faba-33	90	2	is	be	AUX
faba-33	90	3	proven	prove	VERB
faba-33	90	4	from	from	ADP
faba-33	90	5	the	the	DET
faba-33	90	6	increasing	increase	VERB
faba-33	90	7	net	net	ADJ
faba-33	90	8	interest	interest	NOUN
faba-33	90	9	margin	margin	NOUN
faba-33	90	10	between	between	ADP
faba-33	90	11	the	the	DET
faba-33	90	12	two	two	NUM
faba-33	90	13	types	type	NOUN
faba-33	90	14	of	of	ADP
faba-33	90	15	bank	bank	NOUN
faba-33	90	16	products	product	NOUN
faba-33	90	17	.	.	PUNCT
faba-33	91	1	as	as	ADP
faba-33	91	2	a	a	DET
faba-33	91	3	result	result	NOUN
faba-33	91	4	,	,	PUNCT
faba-33	91	5	the	the	DET
faba-33	91	6	consumption	consumption	NOUN
faba-33	91	7	loans	loan	NOUN
faba-33	91	8	rates	rate	NOUN
faba-33	91	9	decreased	decrease	VERB
faba-33	91	10	slightly	slightly	ADV
faba-33	91	11	in	in	ADP
faba-33	91	12	comparison	comparison	NOUN
faba-33	91	13	to	to	ADP
faba-33	91	14	the	the	DET
faba-33	91	15	period	period	NOUN
faba-33	91	16	2008	2008	NUM
faba-33	91	17	-	-	SYM
faba-33	91	18	2010	2010	NUM
faba-33	91	19	showing	show	VERB
faba-33	91	20	no	no	DET
faba-33	91	21	obvious	obvious	ADJ
faba-33	91	22	connection	connection	NOUN
faba-33	91	23	with	with	ADP
faba-33	91	24	the	the	DET
faba-33	91	25	deposit	deposit	NOUN
faba-33	91	26	rates	rate	NOUN
faba-33	91	27	.	.	PUNCT
faba-33	92	1	for	for	ADP
faba-33	92	2	more	more	ADV
faba-33	92	3	reliable	reliable	ADJ
faba-33	92	4	results	result	NOUN
faba-33	92	5	a	a	DET
faba-33	92	6	statics	statics	NOUN
faba-33	92	7	analysis	analysis	NOUN
faba-33	92	8	is	be	AUX
faba-33	92	9	made	make	VERB
faba-33	92	10	(	(	PUNCT
faba-33	92	11	figure	figure	NOUN
faba-33	92	12	3	3	NUM
faba-33	92	13	and	and	CCONJ
faba-33	92	14	4	4	NUM
faba-33	92	15	)	)	PUNCT
faba-33	92	16	.	.	PUNCT
faba-33	93	1	fig	fig	NOUN
faba-33	93	2	.	.	PUNCT
faba-33	94	1	3	3	NUM
faba-33	94	2	fig	fig	NOUN
faba-33	94	3	.	.	PUNCT
faba-33	95	1	4	4	NUM
faba-33	95	2	diyana	diyana	PROPN
faba-33	95	3	miteva	miteva	PROPN
faba-33	95	4	/	/	SYM
faba-33	95	5	finance	finance	NOUN
faba-33	95	6	,	,	PUNCT
faba-33	95	7	accounting	accounting	NOUN
faba-33	95	8	and	and	CCONJ
faba-33	95	9	business	business	NOUN
faba-33	95	10	analysis	analysis	NOUN
faba-33	95	11	2	2	NUM
faba-33	95	12	(	(	PUNCT
faba-33	95	13	1	1	NUM
faba-33	95	14	)	)	PUNCT
faba-33	95	15	2020	2020	NUM
faba-33	95	16	46	46	NUM
faba-33	95	17	source	source	NOUN
faba-33	95	18	:	:	PUNCT
faba-33	95	19	self	self	NOUN
faba-33	95	20	-	-	PUNCT
faba-33	95	21	calculations	calculation	NOUN
faba-33	95	22	,	,	PUNCT
faba-33	95	23	deutsche	deutsche	PROPN
faba-33	95	24	bundesbank	bundesbank	PROPN
faba-33	95	25	statistics	statistics	PROPN
faba-33	95	26	,	,	PUNCT
faba-33	95	27	bulgarian	bulgarian	PROPN
faba-33	95	28	national	national	PROPN
faba-33	95	29	bank	bank	PROPN
faba-33	95	30	statistics	statistic	NOUN
faba-33	95	31	.	.	PUNCT
faba-33	96	1	as	as	ADP
faba-33	96	2	of	of	ADP
faba-33	96	3	the	the	DET
faba-33	96	4	figures	figure	NOUN
faba-33	96	5	above	above	ADP
faba-33	96	6	the	the	DET
faba-33	96	7	determination	determination	NOUN
faba-33	96	8	coefficient	coefficient	NOUN
faba-33	96	9	shows	show	VERB
faba-33	96	10	that	that	SCONJ
faba-33	96	11	stronger	strong	ADJ
faba-33	96	12	relationship	relationship	NOUN
faba-33	96	13	between	between	ADP
faba-33	96	14	deposit	deposit	NOUN
faba-33	96	15	rates	rate	NOUN
faba-33	96	16	and	and	CCONJ
faba-33	96	17	loan	loan	NOUN
faba-33	96	18	rates	rate	NOUN
faba-33	96	19	is	be	AUX
faba-33	96	20	observed	observe	VERB
faba-33	96	21	in	in	ADP
faba-33	96	22	bulgaria	bulgaria	PROPN
faba-33	96	23	.	.	PUNCT
faba-33	97	1	however	however	ADV
faba-33	97	2	,	,	PUNCT
faba-33	97	3	it	it	PRON
faba-33	97	4	is	be	AUX
faba-33	97	5	evident	evident	ADJ
faba-33	97	6	that	that	SCONJ
faba-33	97	7	other	other	ADJ
faba-33	97	8	factors	factor	NOUN
faba-33	97	9	are	be	AUX
faba-33	97	10	in	in	ADP
faba-33	97	11	place	place	NOUN
faba-33	97	12	.	.	PUNCT
faba-33	98	1	such	such	ADJ
faba-33	98	2	could	could	AUX
faba-33	98	3	be	be	AUX
faba-33	98	4	based	base	VERB
faba-33	98	5	on	on	ADP
faba-33	98	6	the	the	DET
faba-33	98	7	economic	economic	ADJ
faba-33	98	8	situation	situation	NOUN
faba-33	98	9	in	in	ADP
faba-33	98	10	loans	loan	NOUN
faba-33	98	11	rates	rate	NOUN
faba-33	98	12	,	,	PUNCT
faba-33	98	13	also	also	ADV
faba-33	98	14	banks	bank	NOUN
faba-33	98	15	could	could	AUX
faba-33	98	16	include	include	VERB
faba-33	98	17	more	more	ADJ
faba-33	98	18	reserves	reserve	NOUN
faba-33	98	19	for	for	ADP
faba-33	98	20	a	a	DET
faba-33	98	21	negative	negative	ADJ
faba-33	98	22	future	future	ADJ
faba-33	98	23	perspective	perspective	NOUN
faba-33	98	24	on	on	ADP
faba-33	98	25	loan	loan	NOUN
faba-33	98	26	repayment	repayment	NOUN
faba-33	98	27	and	and	CCONJ
faba-33	98	28	other	other	ADJ
faba-33	98	29	factors	factor	NOUN
faba-33	98	30	that	that	PRON
faba-33	98	31	are	be	AUX
faba-33	98	32	included	include	VERB
faba-33	98	33	in	in	ADP
faba-33	98	34	the	the	DET
faba-33	98	35	interest	interest	NOUN
faba-33	98	36	rate	rate	NOUN
faba-33	98	37	structure	structure	NOUN
faba-33	98	38	.	.	PUNCT
faba-33	99	1	for	for	ADP
faba-33	99	2	example	example	NOUN
faba-33	99	3	,	,	PUNCT
faba-33	99	4	in	in	ADP
faba-33	99	5	2014	2014	NUM
faba-33	99	6	there	there	PRON
faba-33	99	7	was	be	VERB
faba-33	99	8	a	a	DET
faba-33	99	9	banking	banking	NOUN
faba-33	99	10	crisis	crisis	NOUN
faba-33	99	11	,	,	PUNCT
faba-33	99	12	although	although	SCONJ
faba-33	99	13	passed	pass	VERB
faba-33	99	14	without	without	ADP
faba-33	99	15	significant	significant	ADJ
faba-33	99	16	impact	impact	NOUN
faba-33	99	17	for	for	ADP
faba-33	99	18	the	the	DET
faba-33	99	19	financial	financial	ADJ
faba-33	99	20	and	and	CCONJ
faba-33	99	21	economic	economic	ADJ
faba-33	99	22	stability	stability	NOUN
faba-33	99	23	it	it	PRON
faba-33	99	24	reflected	reflect	VERB
faba-33	99	25	on	on	ADP
faba-33	99	26	the	the	DET
faba-33	99	27	short	short	ADJ
faba-33	99	28	term	term	NOUN
faba-33	99	29	indicators	indicator	NOUN
faba-33	99	30	and	and	CCONJ
faba-33	99	31	triggered	trigger	VERB
faba-33	99	32	some	some	DET
faba-33	99	33	short	short	ADJ
faba-33	99	34	term	term	NOUN
faba-33	99	35	events	event	NOUN
faba-33	99	36	as	as	ADP
faba-33	99	37	a	a	DET
faba-33	99	38	result	result	NOUN
faba-33	99	39	,	,	PUNCT
faba-33	99	40	like	like	ADP
faba-33	99	41	a	a	DET
faba-33	99	42	decrease	decrease	NOUN
faba-33	99	43	in	in	ADP
faba-33	99	44	deposits	deposit	NOUN
faba-33	99	45	and	and	CCONJ
faba-33	99	46	increase	increase	NOUN
faba-33	99	47	of	of	ADP
faba-33	99	48	cash	cash	NOUN
faba-33	99	49	,	,	PUNCT
faba-33	99	50	increase	increase	NOUN
faba-33	99	51	of	of	ADP
faba-33	99	52	bank	bank	NOUN
faba-33	99	53	reserves	reserve	NOUN
faba-33	99	54	.	.	PUNCT
faba-33	100	1	even	even	ADV
faba-33	100	2	though	though	ADV
faba-33	100	3	,	,	PUNCT
faba-33	100	4	it	it	PRON
faba-33	100	5	has	have	AUX
faba-33	100	6	cleared	clear	VERB
faba-33	100	7	that	that	SCONJ
faba-33	100	8	banks	bank	NOUN
faba-33	100	9	are	be	AUX
faba-33	100	10	not	not	PART
faba-33	100	11	in	in	ADP
faba-33	100	12	favor	favor	NOUN
faba-33	100	13	of	of	ADP
faba-33	100	14	decreasing	decrease	VERB
faba-33	100	15	the	the	DET
faba-33	100	16	net	net	ADJ
faba-33	100	17	interest	interest	NOUN
faba-33	100	18	margin	margin	NOUN
faba-33	100	19	which	which	PRON
faba-33	100	20	is	be	AUX
faba-33	100	21	straight	straight	ADV
faba-33	100	22	correlated	correlate	VERB
faba-33	100	23	to	to	ADP
faba-33	100	24	their	their	PRON
faba-33	100	25	profit	profit	NOUN
faba-33	100	26	.	.	PUNCT
faba-33	101	1	on	on	ADP
faba-33	101	2	the	the	DET
faba-33	101	3	other	other	ADJ
faba-33	101	4	side	side	NOUN
faba-33	101	5	,	,	PUNCT
faba-33	101	6	the	the	DET
faba-33	101	7	lower	low	ADJ
faba-33	101	8	decrease	decrease	NOUN
faba-33	101	9	in	in	ADP
faba-33	101	10	loan	loan	NOUN
faba-33	101	11	interest	interest	NOUN
faba-33	101	12	rates	rate	NOUN
faba-33	101	13	in	in	ADP
faba-33	101	14	bulgaria	bulgaria	PROPN
faba-33	101	15	,	,	PUNCT
faba-33	101	16	shows	show	VERB
faba-33	101	17	that	that	SCONJ
faba-33	101	18	the	the	DET
faba-33	101	19	negative	negative	ADJ
faba-33	101	20	interest	interest	NOUN
faba-33	101	21	rate	rate	NOUN
faba-33	101	22	policy	policy	NOUN
faba-33	101	23	does	do	AUX
faba-33	101	24	not	not	PART
faba-33	101	25	necessarily	necessarily	ADV
faba-33	101	26	impact	impact	VERB
faba-33	101	27	on	on	ADP
faba-33	101	28	a	a	DET
faba-33	101	29	lower	low	ADJ
faba-33	101	30	cost	cost	NOUN
faba-33	101	31	of	of	ADP
faba-33	101	32	borrowing	borrowing	NOUN
faba-33	101	33	.	.	PUNCT
faba-33	102	1	which	which	PRON
faba-33	102	2	means	mean	VERB
faba-33	102	3	that	that	SCONJ
faba-33	102	4	regular	regular	ADJ
faba-33	102	5	monetary	monetary	ADJ
faba-33	102	6	police	police	NOUN
faba-33	102	7	transmission	transmission	NOUN
faba-33	102	8	mechanism	mechanism	NOUN
faba-33	102	9	breaks	break	VERB
faba-33	102	10	.	.	PUNCT
faba-33	103	1	from	from	ADP
faba-33	103	2	the	the	DET
faba-33	103	3	r2	r2	PROPN
faba-33	103	4	indicator	indicator	NOUN
faba-33	103	5	it	it	PRON
faba-33	103	6	can	can	AUX
faba-33	103	7	be	be	AUX
faba-33	103	8	observed	observe	VERB
faba-33	103	9	that	that	SCONJ
faba-33	103	10	the	the	DET
faba-33	103	11	correlation	correlation	NOUN
faba-33	103	12	between	between	ADP
faba-33	103	13	interest	interest	NOUN
faba-33	103	14	rates	rate	NOUN
faba-33	103	15	on	on	ADP
faba-33	103	16	deposits	deposit	NOUN
faba-33	103	17	and	and	CCONJ
faba-33	103	18	loans	loan	NOUN
faba-33	103	19	in	in	ADP
faba-33	103	20	bulgaria	bulgaria	PROPN
faba-33	103	21	is	be	AUX
faba-33	103	22	stronger	strong	ADJ
faba-33	103	23	than	than	ADP
faba-33	103	24	the	the	DET
faba-33	103	25	one	one	NUM
faba-33	103	26	in	in	ADP
faba-33	103	27	germany	germany	PROPN
faba-33	103	28	.	.	PUNCT
faba-33	104	1	one	one	NUM
faba-33	104	2	explanation	explanation	NOUN
faba-33	104	3	is	be	AUX
faba-33	104	4	also	also	ADV
faba-33	104	5	the	the	DET
faba-33	104	6	fact	fact	NOUN
faba-33	104	7	,	,	PUNCT
faba-33	104	8	that	that	SCONJ
faba-33	104	9	the	the	DET
faba-33	104	10	starting	starting	NOUN
faba-33	104	11	point	point	NOUN
faba-33	104	12	of	of	ADP
faba-33	104	13	the	the	DET
faba-33	104	14	decrease	decrease	NOUN
faba-33	104	15	in	in	ADP
faba-33	104	16	levels	level	NOUN
faba-33	104	17	was	be	AUX
faba-33	104	18	different	different	ADJ
faba-33	104	19	for	for	ADP
faba-33	104	20	the	the	DET
faba-33	104	21	two	two	NUM
faba-33	104	22	countries	country	NOUN
faba-33	104	23	,	,	PUNCT
faba-33	104	24	thus	thus	ADV
faba-33	104	25	in	in	ADP
faba-33	104	26	germany	germany	PROPN
faba-33	104	27	0	0	NUM
faba-33	104	28	or	or	CCONJ
faba-33	104	29	negative	negative	ADJ
faba-33	104	30	levels	level	NOUN
faba-33	104	31	were	be	AUX
faba-33	104	32	reached	reach	VERB
faba-33	104	33	much	much	ADV
faba-33	104	34	earlier	early	ADV
faba-33	104	35	.	.	PUNCT
faba-33	105	1	on	on	ADP
faba-33	105	2	figures	figure	NOUN
faba-33	105	3	5	5	NUM
faba-33	105	4	and	and	CCONJ
faba-33	105	5	6	6	NUM
faba-33	105	6	is	be	AUX
faba-33	105	7	given	give	VERB
faba-33	105	8	information	information	NOUN
faba-33	105	9	about	about	ADP
faba-33	105	10	interest	interest	NOUN
faba-33	105	11	rates	rate	NOUN
faba-33	105	12	on	on	ADP
faba-33	105	13	deposits	deposit	NOUN
faba-33	105	14	up	up	ADP
faba-33	105	15	to	to	PART
faba-33	105	16	1	1	NUM
faba-33	105	17	year	year	NOUN
faba-33	105	18	and	and	CCONJ
faba-33	105	19	consumption	consumption	NOUN
faba-33	105	20	loans	loan	NOUN
faba-33	105	21	1	1	NUM
faba-33	105	22	-	-	SYM
faba-33	105	23	5	5	NUM
faba-33	105	24	term	term	NOUN
faba-33	105	25	in	in	ADP
faba-33	105	26	eur	eur	NOUN
faba-33	105	27	for	for	ADP
faba-33	105	28	households	household	NOUN
faba-33	105	29	in	in	ADP
faba-33	105	30	bulgaria	bulgaria	PROPN
faba-33	105	31	.	.	PUNCT
faba-33	106	1	fig	fig	PROPN
faba-33	106	2	.	.	PUNCT
faba-33	107	1	5	5	NUM
faba-33	107	2	fig	fig	NOUN
faba-33	107	3	.	.	PUNCT
faba-33	108	1	6	6	NUM
faba-33	108	2	source	source	NOUN
faba-33	108	3	:	:	PUNCT
faba-33	108	4	self	self	NOUN
faba-33	108	5	-	-	PUNCT
faba-33	108	6	calculations	calculation	NOUN
faba-33	108	7	bulgarian	bulgarian	PROPN
faba-33	108	8	national	national	PROPN
faba-33	108	9	bank	bank	PROPN
faba-33	108	10	statistics	statistic	NOUN
faba-33	108	11	.	.	PUNCT
faba-33	109	1	it	it	PRON
faba-33	109	2	is	be	AUX
faba-33	109	3	established	establish	VERB
faba-33	109	4	that	that	SCONJ
faba-33	109	5	there	there	PRON
faba-33	109	6	is	be	VERB
faba-33	109	7	a	a	DET
faba-33	109	8	strong	strong	ADJ
faba-33	109	9	correlation	correlation	NOUN
faba-33	109	10	with	with	ADP
faba-33	109	11	high	high	ADJ
faba-33	109	12	determination	determination	NOUN
faba-33	109	13	coefficient	coefficient	NOUN
faba-33	109	14	which	which	PRON
faba-33	109	15	explains	explain	VERB
faba-33	109	16	the	the	DET
faba-33	109	17	strong	strong	ADJ
faba-33	109	18	relationship	relationship	NOUN
faba-33	109	19	between	between	ADP
faba-33	109	20	the	the	DET
faba-33	109	21	dependent	dependent	ADJ
faba-33	109	22	and	and	CCONJ
faba-33	109	23	independent	independent	ADJ
faba-33	109	24	variable	variable	NOUN
faba-33	109	25	.	.	PUNCT
faba-33	110	1	comparing	compare	VERB
faba-33	110	2	figures	figure	NOUN
faba-33	110	3	2	2	NUM
faba-33	110	4	and	and	CCONJ
faba-33	110	5	3	3	NUM
faba-33	110	6	with	with	ADP
faba-33	110	7	figures	figure	NOUN
faba-33	110	8	5	5	NUM
faba-33	110	9	and	and	CCONJ
faba-33	110	10	6	6	NUM
faba-33	110	11	,	,	PUNCT
faba-33	110	12	where	where	SCONJ
faba-33	110	13	the	the	DET
faba-33	110	14	same	same	ADJ
faba-33	110	15	data	datum	NOUN
faba-33	110	16	for	for	ADP
faba-33	110	17	the	the	DET
faba-33	110	18	same	same	ADJ
faba-33	110	19	period	period	NOUN
faba-33	110	20	but	but	CCONJ
faba-33	110	21	in	in	ADP
faba-33	110	22	different	different	ADJ
faba-33	110	23	currency	currency	NOUN
faba-33	110	24	is	be	AUX
faba-33	110	25	given	give	VERB
faba-33	110	26	,	,	PUNCT
faba-33	110	27	it	it	PRON
faba-33	110	28	can	can	AUX
faba-33	110	29	be	be	AUX
faba-33	110	30	concluded	conclude	VERB
faba-33	110	31	that	that	SCONJ
faba-33	110	32	deposit	deposit	NOUN
faba-33	110	33	rates	rate	NOUN
faba-33	110	34	impact	impact	VERB
faba-33	110	35	much	much	ADV
faba-33	110	36	stronger	strong	ADJ
faba-33	110	37	loan	loan	NOUN
faba-33	110	38	rates	rate	NOUN
faba-33	110	39	in	in	ADP
faba-33	110	40	eur	eur	NOUN
faba-33	110	41	,	,	PUNCT
faba-33	110	42	and	and	CCONJ
faba-33	110	43	also	also	ADV
faba-33	110	44	the	the	DET
faba-33	110	45	net	net	ADJ
faba-33	110	46	interest	interest	NOUN
faba-33	110	47	margin	margin	NOUN
faba-33	110	48	in	in	ADP
faba-33	110	49	eur	eur	NOUN
faba-33	110	50	is	be	AUX
faba-33	110	51	slightly	slightly	ADV
faba-33	110	52	lower	low	ADJ
faba-33	110	53	.	.	PUNCT
faba-33	111	1	in	in	ADP
faba-33	111	2	most	most	ADJ
faba-33	111	3	of	of	ADP
faba-33	111	4	the	the	DET
faba-33	111	5	investigated	investigate	VERB
faba-33	111	6	period	period	NOUN
faba-33	111	7	the	the	DET
faba-33	111	8	interest	interest	NOUN
faba-33	111	9	rates	rate	NOUN
faba-33	111	10	on	on	ADP
faba-33	111	11	deposits	deposit	NOUN
faba-33	111	12	and	and	CCONJ
faba-33	111	13	loans	loan	NOUN
faba-33	111	14	in	in	ADP
faba-33	111	15	euro	euro	NOUN
faba-33	111	16	are	be	AUX
faba-33	111	17	lower	low	ADJ
faba-33	111	18	than	than	ADP
faba-33	111	19	those	those	PRON
faba-33	111	20	in	in	ADP
faba-33	111	21	bgn	bgn	NOUN
faba-33	111	22	,	,	PUNCT
faba-33	111	23	except	except	SCONJ
faba-33	111	24	for	for	ADP
faba-33	111	25	the	the	DET
faba-33	111	26	period	period	NOUN
faba-33	111	27	of	of	ADP
faba-33	111	28	1.2017	1.2017	NUM
faba-33	111	29	-	-	SYM
faba-33	111	30	2.2020	2.2020	NUM
faba-33	111	31	when	when	SCONJ
faba-33	111	32	rates	rate	NOUN
faba-33	111	33	in	in	ADP
faba-33	111	34	euro	euro	NOUN
faba-33	111	35	deposits	deposit	NOUN
faba-33	111	36	are	be	AUX
faba-33	111	37	higher	high	ADJ
faba-33	111	38	than	than	ADP
faba-33	111	39	those	those	PRON
faba-33	111	40	in	in	ADP
faba-33	111	41	leva	leva	PROPN
faba-33	111	42	.	.	PUNCT
faba-33	112	1	a	a	DET
faba-33	112	2	significant	significant	ADJ
faba-33	112	3	difference	difference	NOUN
faba-33	112	4	is	be	AUX
faba-33	112	5	observed	observe	VERB
faba-33	112	6	between	between	ADP
faba-33	112	7	the	the	DET
faba-33	112	8	rates	rate	NOUN
faba-33	112	9	of	of	ADP
faba-33	112	10	loans	loan	NOUN
faba-33	112	11	in	in	ADP
faba-33	112	12	leva	leva	PROPN
faba-33	112	13	and	and	CCONJ
faba-33	112	14	euro	euro	PROPN
faba-33	112	15	,	,	PUNCT
faba-33	112	16	as	as	SCONJ
faba-33	112	17	the	the	DET
faba-33	112	18	trendline	trendline	NOUN
faba-33	112	19	is	be	AUX
faba-33	112	20	the	the	DET
faba-33	112	21	gap	gap	NOUN
faba-33	112	22	between	between	ADP
faba-33	112	23	them	they	PRON
faba-33	112	24	to	to	PART
faba-33	112	25	increase	increase	VERB
faba-33	112	26	as	as	ADP
faba-33	112	27	of	of	ADP
faba-33	112	28	the	the	DET
faba-33	112	29	end	end	NOUN
faba-33	112	30	of	of	ADP
faba-33	112	31	the	the	DET
faba-33	112	32	investigated	investigate	VERB
faba-33	112	33	period	period	NOUN
faba-33	112	34	.	.	PUNCT
faba-33	113	1	the	the	DET
faba-33	113	2	impact	impact	NOUN
faba-33	113	3	of	of	ADP
faba-33	113	4	the	the	DET
faba-33	113	5	negative	negative	ADJ
faba-33	113	6	interest	interest	NOUN
faba-33	113	7	rate	rate	NOUN
faba-33	113	8	policy	policy	NOUN
faba-33	113	9	could	could	AUX
faba-33	113	10	be	be	AUX
faba-33	113	11	observed	observe	VERB
faba-33	113	12	in	in	ADP
faba-33	113	13	the	the	DET
faba-33	113	14	sense	sense	NOUN
faba-33	113	15	that	that	SCONJ
faba-33	113	16	both	both	CCONJ
faba-33	113	17	euro	euro	VERB
faba-33	113	18	and	and	CCONJ
faba-33	113	19	leva	leva	PROPN
faba-33	113	20	deposits	deposit	NOUN
faba-33	113	21	rates	rate	NOUN
faba-33	113	22	in	in	ADP
faba-33	113	23	bulgaria	bulgaria	PROPN
faba-33	113	24	fall	fall	VERB
faba-33	113	25	to	to	ADP
faba-33	113	26	values	value	NOUN
faba-33	113	27	close	close	ADV
faba-33	113	28	to	to	ADP
faba-33	113	29	zero	zero	NUM
faba-33	113	30	,	,	PUNCT
faba-33	113	31	as	as	SCONJ
faba-33	113	32	no	no	DET
faba-33	113	33	negative	negative	ADJ
faba-33	113	34	rates	rate	NOUN
faba-33	113	35	are	be	AUX
faba-33	113	36	observed	observe	VERB
faba-33	113	37	.	.	PUNCT
faba-33	114	1	that	that	PRON
faba-33	114	2	could	could	AUX
faba-33	114	3	be	be	AUX
faba-33	114	4	explained	explain	VERB
faba-33	114	5	that	that	SCONJ
faba-33	114	6	the	the	DET
faba-33	114	7	psychological	psychological	ADJ
faba-33	114	8	zero	zero	NUM
faba-33	114	9	lower	lower	ADV
faba-33	114	10	bound	bind	VERB
faba-33	114	11	exist	exist	NOUN
faba-33	114	12	for	for	ADP
faba-33	114	13	households	household	NOUN
faba-33	114	14	’	'	PUNCT
faba-33	114	15	deposits	deposit	NOUN
faba-33	114	16	,	,	PUNCT
faba-33	114	17	and	and	CCONJ
faba-33	114	18	,	,	PUNCT
faba-33	114	19	that	that	SCONJ
faba-33	114	20	banks	bank	NOUN
faba-33	114	21	could	could	AUX
faba-33	114	22	be	be	AUX
faba-33	114	23	afraid	afraid	ADJ
faba-33	114	24	to	to	PART
faba-33	114	25	cross	cross	VERB
faba-33	114	26	that	that	DET
faba-33	114	27	border	border	NOUN
faba-33	114	28	on	on	ADP
faba-33	114	29	a	a	DET
faba-33	114	30	country	country	NOUN
faba-33	114	31	level	level	NOUN
faba-33	114	32	.	.	PUNCT
faba-33	115	1	diyana	diyana	PROPN
faba-33	115	2	miteva	miteva	PROPN
faba-33	115	3	/	/	SYM
faba-33	115	4	finance	finance	NOUN
faba-33	115	5	,	,	PUNCT
faba-33	115	6	accounting	accounting	NOUN
faba-33	115	7	and	and	CCONJ
faba-33	115	8	business	business	NOUN
faba-33	115	9	analysis	analysis	NOUN
faba-33	115	10	2	2	NUM
faba-33	115	11	(	(	PUNCT
faba-33	115	12	1	1	NUM
faba-33	115	13	)	)	PUNCT
faba-33	115	14	2020	2020	NUM
faba-33	116	1	47	47	NUM
faba-33	116	2	non	non	ADJ
faba-33	116	3	-	-	ADJ
faba-33	116	4	financial	financial	ADJ
faba-33	116	5	institutions	institution	NOUN
faba-33	116	6	deposits	deposit	NOUN
faba-33	116	7	and	and	CCONJ
faba-33	116	8	loans	loan	NOUN
faba-33	116	9	interest	interest	NOUN
faba-33	116	10	rates	rate	NOUN
faba-33	116	11	as	as	ADP
faba-33	116	12	altavilla	altavilla	PROPN
faba-33	116	13	c.	c.	PROPN
faba-33	116	14	et	et	PROPN
faba-33	116	15	.	.	PUNCT
faba-33	117	1	al	al	PROPN
faba-33	117	2	.	.	PROPN
faba-33	118	1	(	(	PUNCT
faba-33	118	2	2019	2019	NUM
faba-33	118	3	)	)	PUNCT
faba-33	118	4	findings	finding	NOUN
faba-33	118	5	showed	show	VERB
faba-33	118	6	,	,	PUNCT
faba-33	118	7	in	in	ADP
faba-33	118	8	germany	germany	PROPN
faba-33	118	9	50	50	NUM
faba-33	118	10	%	%	NOUN
faba-33	118	11	of	of	ADP
faba-33	118	12	the	the	DET
faba-33	118	13	number	number	NOUN
faba-33	118	14	of	of	ADP
faba-33	118	15	corporate	corporate	ADJ
faba-33	118	16	deposits	deposit	NOUN
faba-33	118	17	have	have	VERB
faba-33	118	18	negative	negative	ADJ
faba-33	118	19	interest	interest	NOUN
faba-33	118	20	rate	rate	NOUN
faba-33	118	21	.	.	PUNCT
faba-33	119	1	for	for	ADP
faba-33	119	2	bulgaria	bulgaria	PROPN
faba-33	119	3	,	,	PUNCT
faba-33	119	4	in	in	ADP
faba-33	119	5	comparison	comparison	NOUN
faba-33	119	6	to	to	ADP
faba-33	119	7	the	the	DET
faba-33	119	8	households	household	NOUN
faba-33	119	9	,	,	PUNCT
faba-33	119	10	the	the	DET
faba-33	119	11	interest	interest	NOUN
faba-33	119	12	rates	rate	NOUN
faba-33	119	13	on	on	ADP
faba-33	119	14	deposits	deposit	NOUN
faba-33	119	15	for	for	ADP
faba-33	119	16	non	non	ADJ
faba-33	119	17	-	-	ADJ
faba-33	119	18	financial	financial	ADJ
faba-33	119	19	corporations	corporation	NOUN
faba-33	119	20	also	also	ADV
faba-33	119	21	have	have	AUX
faba-33	119	22	scored	score	VERB
faba-33	119	23	on	on	ADP
faba-33	119	24	the	the	DET
faba-33	119	25	negative	negative	ADJ
faba-33	119	26	side	side	NOUN
faba-33	119	27	for	for	ADP
faba-33	119	28	several	several	ADJ
faba-33	119	29	months	month	NOUN
faba-33	119	30	,	,	PUNCT
faba-33	119	31	most	most	ADJ
faba-33	119	32	of	of	ADP
faba-33	119	33	them	they	PRON
faba-33	119	34	close	close	ADJ
faba-33	119	35	to	to	ADP
faba-33	119	36	the	the	DET
faba-33	119	37	end	end	NOUN
faba-33	119	38	of	of	ADP
faba-33	119	39	the	the	DET
faba-33	119	40	researched	research	VERB
faba-33	119	41	period	period	NOUN
faba-33	119	42	(	(	PUNCT
faba-33	119	43	end	end	NOUN
faba-33	119	44	of	of	ADP
faba-33	119	45	2019	2019	NUM
faba-33	119	46	and	and	CCONJ
faba-33	119	47	beginning	beginning	NOUN
faba-33	119	48	of	of	ADP
faba-33	119	49	2020	2020	NUM
faba-33	119	50	)	)	PUNCT
faba-33	119	51	,	,	PUNCT
faba-33	119	52	counting	count	VERB
faba-33	119	53	that	that	PRON
faba-33	119	54	is	be	AUX
faba-33	119	55	a	a	DET
faba-33	119	56	weighted	weight	VERB
faba-33	119	57	average	average	ADJ
faba-33	119	58	percentage	percentage	NOUN
faba-33	119	59	for	for	ADP
faba-33	119	60	all	all	DET
faba-33	119	61	banks	bank	NOUN
faba-33	119	62	(	(	PUNCT
faba-33	119	63	bnb	bnb	NOUN
faba-33	119	64	,	,	PUNCT
faba-33	119	65	2020	2020	NUM
faba-33	119	66	)	)	PUNCT
faba-33	119	67	,	,	PUNCT
faba-33	119	68	which	which	PRON
faba-33	119	69	means	mean	VERB
faba-33	119	70	that	that	SCONJ
faba-33	119	71	majority	majority	NOUN
faba-33	119	72	of	of	ADP
faba-33	119	73	them	they	PRON
faba-33	119	74	offer	offer	VERB
faba-33	119	75	negative	negative	ADJ
faba-33	119	76	interest	interest	NOUN
faba-33	119	77	rates	rate	NOUN
faba-33	119	78	for	for	ADP
faba-33	119	79	deposits	deposit	NOUN
faba-33	119	80	of	of	ADP
faba-33	119	81	non	non	ADJ
faba-33	119	82	-	-	ADJ
faba-33	119	83	financial	financial	ADJ
faba-33	119	84	corporations	corporation	NOUN
faba-33	119	85	.	.	PUNCT
faba-33	120	1	on	on	ADP
faba-33	120	2	figures	figure	NOUN
faba-33	120	3	7	7	NUM
faba-33	120	4	and	and	CCONJ
faba-33	120	5	8	8	NUM
faba-33	120	6	a	a	DET
faba-33	120	7	distribution	distribution	NOUN
faba-33	120	8	of	of	ADP
faba-33	120	9	the	the	DET
faba-33	120	10	weighted	weight	VERB
faba-33	120	11	average	average	ADJ
faba-33	120	12	interest	interest	NOUN
faba-33	120	13	rates	rate	NOUN
faba-33	120	14	on	on	ADP
faba-33	120	15	deposits	deposit	NOUN
faba-33	120	16	and	and	CCONJ
faba-33	120	17	loans	loan	NOUN
faba-33	120	18	for	for	ADP
faba-33	120	19	non	non	ADJ
faba-33	120	20	-	-	ADJ
faba-33	120	21	financial	financial	ADJ
faba-33	120	22	corporation	corporation	NOUN
faba-33	120	23	for	for	ADP
faba-33	120	24	the	the	DET
faba-33	120	25	period	period	NOUN
faba-33	120	26	1.2007	1.2007	NUM
faba-33	120	27	-	-	SYM
faba-33	120	28	2.2020	2.2020	NUM
faba-33	120	29	is	be	AUX
faba-33	120	30	presented	present	VERB
faba-33	120	31	.	.	PUNCT
faba-33	121	1	fig	fig	NOUN
faba-33	121	2	.	.	PUNCT
faba-33	122	1	7	7	NUM
faba-33	122	2	fig	fig	NOUN
faba-33	122	3	.	.	PUNCT
faba-33	123	1	8	8	NUM
faba-33	123	2	source	source	NOUN
faba-33	123	3	:	:	PUNCT
faba-33	123	4	self	self	NOUN
faba-33	123	5	-	-	PUNCT
faba-33	123	6	calculations	calculation	NOUN
faba-33	123	7	bulgarian	bulgarian	PROPN
faba-33	123	8	national	national	PROPN
faba-33	123	9	bank	bank	PROPN
faba-33	123	10	statistics	statistic	NOUN
faba-33	123	11	.	.	PUNCT
faba-33	124	1	if	if	SCONJ
faba-33	124	2	we	we	PRON
faba-33	124	3	compare	compare	VERB
faba-33	124	4	it	it	PRON
faba-33	124	5	with	with	ADP
faba-33	124	6	the	the	DET
faba-33	124	7	distribution	distribution	NOUN
faba-33	124	8	and	and	CCONJ
faba-33	124	9	trendline	trendline	NOUN
faba-33	124	10	for	for	ADP
faba-33	124	11	households	household	NOUN
faba-33	124	12	it	it	PRON
faba-33	124	13	could	could	AUX
faba-33	124	14	be	be	AUX
faba-33	124	15	established	establish	VERB
faba-33	124	16	that	that	SCONJ
faba-33	124	17	there	there	PRON
faba-33	124	18	is	be	VERB
faba-33	124	19	stronger	strong	ADJ
faba-33	124	20	correlation	correlation	NOUN
faba-33	124	21	between	between	ADP
faba-33	124	22	the	the	DET
faba-33	124	23	deposit	deposit	NOUN
faba-33	124	24	rates	rate	NOUN
faba-33	124	25	and	and	CCONJ
faba-33	124	26	loan	loan	NOUN
faba-33	124	27	rates	rate	NOUN
faba-33	124	28	for	for	ADP
faba-33	124	29	non	non	ADJ
faba-33	124	30	-	-	ADJ
faba-33	124	31	financial	financial	ADJ
faba-33	124	32	corporations	corporation	NOUN
faba-33	124	33	where	where	SCONJ
faba-33	124	34	the	the	DET
faba-33	124	35	determination	determination	NOUN
faba-33	124	36	coefficient	coefficient	NOUN
faba-33	124	37	is	be	AUX
faba-33	124	38	91,32	91,32	NUM
faba-33	124	39	%	%	NOUN
faba-33	124	40	.	.	PUNCT
faba-33	125	1	also	also	ADV
faba-33	125	2	,	,	PUNCT
faba-33	125	3	the	the	DET
faba-33	125	4	net	net	ADJ
faba-33	125	5	interest	interest	NOUN
faba-33	125	6	margin	margin	NOUN
faba-33	125	7	tends	tends	AUX
faba-33	125	8	do	do	AUX
faba-33	125	9	decrease	decrease	VERB
faba-33	125	10	more	more	ADJ
faba-33	125	11	than	than	ADP
faba-33	125	12	the	the	DET
faba-33	125	13	one	one	NOUN
faba-33	125	14	for	for	ADP
faba-33	125	15	households	household	NOUN
faba-33	125	16	.	.	PUNCT
faba-33	126	1	fig	fig	NOUN
faba-33	126	2	.	.	PUNCT
faba-33	127	1	9	9	NUM
faba-33	127	2	fig	fig	NOUN
faba-33	127	3	.	.	PUNCT
faba-33	128	1	10	10	NUM
faba-33	128	2	source	source	NOUN
faba-33	128	3	:	:	PUNCT
faba-33	128	4	self	self	NOUN
faba-33	128	5	-	-	PUNCT
faba-33	128	6	calculations	calculation	NOUN
faba-33	128	7	,	,	PUNCT
faba-33	128	8	bulgarian	bulgarian	ADJ
faba-33	128	9	national	national	PROPN
faba-33	128	10	bank	bank	PROPN
faba-33	128	11	statistics	statistic	NOUN
faba-33	128	12	.	.	PUNCT
faba-33	129	1	on	on	ADP
faba-33	129	2	figure	figure	NOUN
faba-33	129	3	9	9	NUM
faba-33	129	4	and	and	CCONJ
faba-33	129	5	10	10	NUM
faba-33	129	6	information	information	NOUN
faba-33	129	7	about	about	ADP
faba-33	129	8	the	the	DET
faba-33	129	9	trendline	trendline	NOUN
faba-33	129	10	and	and	CCONJ
faba-33	129	11	correlation	correlation	NOUN
faba-33	129	12	in	in	ADP
faba-33	129	13	deposit	deposit	NOUN
faba-33	129	14	and	and	CCONJ
faba-33	129	15	loans	loan	NOUN
faba-33	129	16	interest	interest	NOUN
faba-33	129	17	rates	rate	NOUN
faba-33	129	18	in	in	ADP
faba-33	129	19	eur	eur	NOUN
faba-33	129	20	currency	currency	NOUN
faba-33	129	21	for	for	ADP
faba-33	129	22	non	non	ADJ
faba-33	129	23	-	-	ADJ
faba-33	129	24	financial	financial	ADJ
faba-33	129	25	corporation	corporation	NOUN
faba-33	129	26	is	be	AUX
faba-33	129	27	given	give	VERB
faba-33	129	28	,	,	PUNCT
faba-33	129	29	where	where	SCONJ
faba-33	129	30	the	the	DET
faba-33	129	31	determination	determination	NOUN
faba-33	129	32	coefficient	coefficient	NOUN
faba-33	129	33	show	show	VERB
faba-33	129	34	strong	strong	ADJ
faba-33	129	35	correlation	correlation	NOUN
faba-33	129	36	.	.	PUNCT
faba-33	130	1	the	the	DET
faba-33	130	2	following	follow	VERB
faba-33	130	3	conclusion	conclusion	NOUN
faba-33	130	4	could	could	AUX
faba-33	130	5	be	be	AUX
faba-33	130	6	outlined	outline	VERB
faba-33	130	7	in	in	ADP
faba-33	130	8	the	the	DET
faba-33	130	9	view	view	NOUN
faba-33	130	10	of	of	ADP
faba-33	130	11	the	the	DET
faba-33	130	12	above	above	ADJ
faba-33	130	13	analysis	analysis	NOUN
faba-33	130	14	.	.	PUNCT
faba-33	131	1	zero	zero	NUM
faba-33	131	2	lower	lower	ADV
faba-33	131	3	bound	bind	VERB
faba-33	131	4	for	for	ADP
faba-33	131	5	interest	interest	NOUN
faba-33	131	6	rates	rate	NOUN
faba-33	131	7	in	in	ADP
faba-33	131	8	deposits	deposit	NOUN
faba-33	131	9	in	in	ADP
faba-33	131	10	bulgaria	bulgaria	PROPN
faba-33	131	11	exists	exist	VERB
faba-33	131	12	for	for	ADP
faba-33	131	13	deposits	deposit	NOUN
faba-33	131	14	of	of	ADP
faba-33	131	15	households	household	NOUN
faba-33	131	16	,	,	PUNCT
faba-33	131	17	where	where	SCONJ
faba-33	131	18	for	for	ADP
faba-33	131	19	a	a	DET
faba-33	131	20	long	long	ADJ
faba-33	131	21	period	period	NOUN
faba-33	131	22	they	they	PRON
faba-33	131	23	stay	stay	VERB
faba-33	131	24	on	on	ADP
faba-33	131	25	level	level	NOUN
faba-33	131	26	of	of	ADP
faba-33	131	27	0	0	NUM
faba-33	131	28	%	%	NOUN
faba-33	131	29	.	.	PUNCT
faba-33	132	1	on	on	ADP
faba-33	132	2	the	the	DET
faba-33	132	3	other	other	ADJ
faba-33	132	4	hand	hand	NOUN
faba-33	132	5	,	,	PUNCT
faba-33	132	6	the	the	DET
faba-33	132	7	zero	zero	NUM
faba-33	132	8	lower	lower	ADV
faba-33	132	9	bound	bind	VERB
faba-33	132	10	breaks	break	NOUN
faba-33	132	11	for	for	ADP
faba-33	132	12	non	non	ADJ
faba-33	132	13	-	-	ADJ
faba-33	132	14	financial	financial	ADJ
faba-33	132	15	corporations	corporation	NOUN
faba-33	132	16	’	'	PUNCT
faba-33	132	17	deposits	deposit	NOUN
faba-33	132	18	in	in	ADP
faba-33	132	19	bulgaria	bulgaria	PROPN
faba-33	132	20	just	just	ADV
faba-33	132	21	in	in	ADP
faba-33	132	22	the	the	DET
faba-33	132	23	last	last	ADJ
faba-33	132	24	year	year	NOUN
faba-33	132	25	.	.	PUNCT
faba-33	133	1	there	there	PRON
faba-33	133	2	is	be	VERB
faba-33	133	3	much	much	ADV
faba-33	133	4	stronger	strong	ADJ
faba-33	133	5	correlation	correlation	NOUN
faba-33	133	6	between	between	ADP
faba-33	133	7	short	short	ADJ
faba-33	133	8	term	term	NOUN
faba-33	133	9	deposit	deposit	NOUN
faba-33	133	10	interest	interest	NOUN
faba-33	133	11	rates	rate	NOUN
faba-33	133	12	and	and	CCONJ
faba-33	133	13	short	short	ADJ
faba-33	133	14	to	to	ADP
faba-33	133	15	mid	mid	ADJ
faba-33	133	16	-	-	NOUN
faba-33	133	17	term	term	NOUN
faba-33	133	18	loans	loan	NOUN
faba-33	133	19	for	for	ADP
faba-33	133	20	non	non	ADJ
faba-33	133	21	-	-	ADJ
faba-33	133	22	financial	financial	ADJ
faba-33	133	23	corporations	corporation	NOUN
faba-33	133	24	than	than	ADP
faba-33	133	25	for	for	ADP
faba-33	133	26	households	household	NOUN
faba-33	133	27	in	in	ADP
faba-33	133	28	bulgaria	bulgaria	PROPN
faba-33	133	29	and	and	CCONJ
faba-33	133	30	germany	germany	PROPN
faba-33	133	31	.	.	PUNCT
faba-33	134	1	also	also	ADV
faba-33	134	2	,	,	PUNCT
faba-33	134	3	in	in	ADP
faba-33	134	4	terms	term	NOUN
faba-33	134	5	of	of	ADP
faba-33	134	6	the	the	DET
faba-33	134	7	currency	currency	NOUN
faba-33	134	8	of	of	ADP
faba-33	134	9	deposits	deposit	NOUN
faba-33	134	10	and	and	CCONJ
faba-33	134	11	loans	loan	NOUN
faba-33	134	12	in	in	ADP
faba-33	134	13	bulgaria	bulgaria	PROPN
faba-33	134	14	,	,	PUNCT
faba-33	134	15	the	the	DET
faba-33	134	16	one	one	NOUN
faba-33	134	17	denominated	denominate	VERB
faba-33	134	18	in	in	ADP
faba-33	134	19	local	local	ADJ
faba-33	134	20	currency	currency	NOUN
faba-33	134	21	diyana	diyana	PROPN
faba-33	134	22	miteva	miteva	PROPN
faba-33	134	23	/	/	SYM
faba-33	134	24	finance	finance	NOUN
faba-33	134	25	,	,	PUNCT
faba-33	134	26	accounting	accounting	NOUN
faba-33	134	27	and	and	CCONJ
faba-33	134	28	business	business	NOUN
faba-33	134	29	analysis	analysis	NOUN
faba-33	134	30	2	2	NUM
faba-33	134	31	(	(	PUNCT
faba-33	134	32	1	1	NUM
faba-33	134	33	)	)	PUNCT
faba-33	134	34	2020	2020	NUM
faba-33	134	35	48	48	NUM
faba-33	134	36	tend	tend	VERB
faba-33	134	37	to	to	PART
faba-33	134	38	have	have	VERB
faba-33	134	39	stronger	strong	ADJ
faba-33	134	40	correlation	correlation	NOUN
faba-33	134	41	.	.	PUNCT
faba-33	135	1	on	on	ADP
faba-33	135	2	fig	fig	NOUN
faba-33	135	3	.	.	PUNCT
faba-33	136	1	11	11	NUM
faba-33	136	2	is	be	AUX
faba-33	136	3	given	give	VERB
faba-33	136	4	a	a	DET
faba-33	136	5	correlation	correlation	NOUN
faba-33	136	6	analysis	analysis	NOUN
faba-33	136	7	of	of	ADP
faba-33	136	8	the	the	DET
faba-33	136	9	relationships	relationship	NOUN
faba-33	136	10	of	of	ADP
faba-33	136	11	deposit	deposit	NOUN
faba-33	136	12	interest	interest	NOUN
faba-33	136	13	rates	rate	NOUN
faba-33	136	14	and	and	CCONJ
faba-33	136	15	credit	credit	NOUN
faba-33	136	16	cards	card	NOUN
faba-33	136	17	interest	interest	NOUN
faba-33	136	18	rates	rate	NOUN
faba-33	136	19	for	for	ADP
faba-33	136	20	households	household	NOUN
faba-33	136	21	in	in	ADP
faba-33	136	22	bulgaria	bulgaria	PROPN
faba-33	136	23	in	in	ADP
faba-33	136	24	bgn	bgn	NOUN
faba-33	136	25	.	.	PUNCT
faba-33	137	1	it	it	PRON
faba-33	137	2	is	be	AUX
faba-33	137	3	observed	observe	VERB
faba-33	137	4	a	a	DET
faba-33	137	5	very	very	ADV
faba-33	137	6	low	low	ADJ
faba-33	137	7	coefficient	coefficient	NOUN
faba-33	137	8	of	of	ADP
faba-33	137	9	determination	determination	NOUN
faba-33	137	10	which	which	PRON
faba-33	137	11	describes	describe	VERB
faba-33	137	12	that	that	SCONJ
faba-33	137	13	just	just	ADV
faba-33	137	14	9,8	9,8	NUM
faba-33	137	15	%	%	NOUN
faba-33	137	16	of	of	ADP
faba-33	137	17	the	the	DET
faba-33	137	18	value	value	NOUN
faba-33	137	19	of	of	ADP
faba-33	137	20	the	the	DET
faba-33	137	21	interest	interest	NOUN
faba-33	137	22	rates	rate	NOUN
faba-33	137	23	on	on	ADP
faba-33	137	24	credit	credit	NOUN
faba-33	137	25	cards	card	NOUN
faba-33	137	26	is	be	AUX
faba-33	137	27	caused	cause	VERB
faba-33	137	28	by	by	ADP
faba-33	137	29	the	the	DET
faba-33	137	30	independent	independent	ADJ
faba-33	137	31	variable	variable	ADJ
faba-33	137	32	interest	interest	NOUN
faba-33	137	33	rates	rate	NOUN
faba-33	137	34	on	on	ADP
faba-33	137	35	deposits	deposit	NOUN
faba-33	137	36	.	.	PUNCT
faba-33	138	1	also	also	ADV
faba-33	138	2	,	,	PUNCT
faba-33	138	3	the	the	DET
faba-33	138	4	data	data	NOUN
faba-33	138	5	shows	show	VERB
faba-33	138	6	that	that	SCONJ
faba-33	138	7	there	there	PRON
faba-33	138	8	has	have	AUX
faba-33	138	9	been	be	AUX
faba-33	138	10	almost	almost	ADV
faba-33	138	11	no	no	PRON
faba-33	138	12	change	change	NOUN
faba-33	138	13	in	in	ADP
faba-33	138	14	the	the	DET
faba-33	138	15	interest	interest	NOUN
faba-33	138	16	rates	rate	NOUN
faba-33	138	17	of	of	ADP
faba-33	138	18	credit	credit	NOUN
faba-33	138	19	cards	card	NOUN
faba-33	138	20	which	which	PRON
faba-33	138	21	caused	cause	VERB
faba-33	138	22	an	an	DET
faba-33	138	23	increasing	increase	VERB
faba-33	138	24	trendline	trendline	NOUN
faba-33	138	25	in	in	ADP
faba-33	138	26	the	the	DET
faba-33	138	27	net	net	ADJ
faba-33	138	28	interest	interest	NOUN
faba-33	138	29	margin	margin	NOUN
faba-33	138	30	.	.	PUNCT
faba-33	139	1	fig	fig	NOUN
faba-33	139	2	.	.	PUNCT
faba-33	140	1	11	11	NUM
faba-33	140	2	source	source	NOUN
faba-33	140	3	:	:	PUNCT
faba-33	140	4	self	self	NOUN
faba-33	140	5	-	-	PUNCT
faba-33	140	6	calculations	calculation	NOUN
faba-33	140	7	,	,	PUNCT
faba-33	140	8	bulgarian	bulgarian	ADJ
faba-33	140	9	national	national	PROPN
faba-33	140	10	bank	bank	PROPN
faba-33	140	11	statistics	statistic	NOUN
faba-33	140	12	.	.	PUNCT
faba-33	141	1	it	it	PRON
faba-33	141	2	is	be	AUX
faba-33	141	3	important	important	ADJ
faba-33	141	4	also	also	ADV
faba-33	141	5	to	to	PART
faba-33	141	6	see	see	VERB
faba-33	141	7	not	not	PART
faba-33	141	8	only	only	ADV
faba-33	141	9	the	the	DET
faba-33	141	10	impact	impact	NOUN
faba-33	141	11	of	of	ADP
faba-33	141	12	the	the	DET
faba-33	141	13	negative	negative	ADJ
faba-33	141	14	interest	interest	NOUN
faba-33	141	15	rate	rate	NOUN
faba-33	141	16	policy	policy	NOUN
faba-33	141	17	on	on	ADP
faba-33	141	18	the	the	DET
faba-33	141	19	interest	interest	NOUN
faba-33	141	20	rates	rate	NOUN
faba-33	141	21	of	of	ADP
faba-33	141	22	deposits	deposit	NOUN
faba-33	141	23	and	and	CCONJ
faba-33	141	24	loans	loan	NOUN
faba-33	141	25	,	,	PUNCT
faba-33	141	26	but	but	CCONJ
faba-33	141	27	also	also	ADV
faba-33	141	28	on	on	ADP
faba-33	141	29	the	the	DET
faba-33	141	30	volume	volume	NOUN
faba-33	141	31	of	of	ADP
faba-33	141	32	the	the	DET
faba-33	141	33	deposits	deposit	NOUN
faba-33	141	34	.	.	PUNCT
faba-33	142	1	the	the	DET
faba-33	142	2	traditional	traditional	ADJ
faba-33	142	3	monetary	monetary	ADJ
faba-33	142	4	policy	policy	NOUN
faba-33	142	5	would	would	AUX
faba-33	142	6	expect	expect	VERB
faba-33	142	7	that	that	SCONJ
faba-33	142	8	lower	low	ADJ
faba-33	142	9	interest	interest	NOUN
faba-33	142	10	rates	rate	NOUN
faba-33	142	11	will	will	AUX
faba-33	142	12	lead	lead	VERB
faba-33	142	13	to	to	ADP
faba-33	142	14	lower	low	ADJ
faba-33	142	15	savings	saving	NOUN
faba-33	142	16	and	and	CCONJ
faba-33	142	17	higher	high	ADJ
faba-33	142	18	debt	debt	NOUN
faba-33	142	19	and	and	CCONJ
faba-33	142	20	investments	investment	NOUN
faba-33	142	21	.	.	PUNCT
faba-33	143	1	for	for	ADP
faba-33	143	2	a	a	DET
faba-33	143	3	long	long	ADJ
faba-33	143	4	time	time	NOUN
faba-33	143	5	,	,	PUNCT
faba-33	143	6	deposit	deposit	NOUN
faba-33	143	7	volumes	volume	NOUN
faba-33	143	8	stop	stop	VERB
faba-33	143	9	responding	respond	VERB
faba-33	143	10	to	to	ADP
faba-33	143	11	the	the	DET
faba-33	143	12	decreases	decrease	NOUN
faba-33	143	13	in	in	ADP
faba-33	143	14	interest	interest	NOUN
faba-33	143	15	rates	rate	NOUN
faba-33	143	16	and	and	CCONJ
faba-33	143	17	that	that	PRON
faba-33	143	18	is	be	AUX
faba-33	143	19	easy	easy	ADJ
faba-33	143	20	to	to	PART
faba-33	143	21	be	be	AUX
faba-33	143	22	explained	explain	VERB
faba-33	143	23	.	.	PUNCT
faba-33	144	1	cash	cash	NOUN
faba-33	144	2	funds	fund	NOUN
faba-33	144	3	are	be	AUX
faba-33	144	4	kept	keep	VERB
faba-33	144	5	with	with	ADP
faba-33	144	6	banks	bank	NOUN
faba-33	144	7	as	as	SCONJ
faba-33	144	8	banks	bank	NOUN
faba-33	144	9	are	be	AUX
faba-33	144	10	now	now	ADV
faba-33	144	11	providing	provide	VERB
faba-33	144	12	full	full	ADJ
faba-33	144	13	monetary	monetary	ADJ
faba-33	144	14	and	and	CCONJ
faba-33	144	15	payment	payment	NOUN
faba-33	144	16	services	service	NOUN
faba-33	144	17	and	and	CCONJ
faba-33	144	18	are	be	AUX
faba-33	144	19	the	the	DET
faba-33	144	20	main	main	ADJ
faba-33	144	21	lending	lending	NOUN
faba-33	144	22	party	party	NOUN
faba-33	144	23	on	on	ADP
faba-33	144	24	the	the	DET
faba-33	144	25	market	market	NOUN
faba-33	144	26	.	.	PUNCT
faba-33	145	1	they	they	PRON
faba-33	145	2	are	be	AUX
faba-33	145	3	the	the	DET
faba-33	145	4	most	most	ADV
faba-33	145	5	regulated	regulated	ADJ
faba-33	145	6	financial	financial	ADJ
faba-33	145	7	institutions	institution	NOUN
faba-33	145	8	with	with	ADP
faba-33	145	9	highest	high	ADJ
faba-33	145	10	consumer	consumer	NOUN
faba-33	145	11	credibility	credibility	NOUN
faba-33	145	12	.	.	PUNCT
faba-33	146	1	today	today	NOUN
faba-33	146	2	this	this	PRON
faba-33	146	3	makes	make	VERB
faba-33	146	4	people	people	NOUN
faba-33	146	5	to	to	PART
faba-33	146	6	use	use	VERB
faba-33	146	7	banks	bank	NOUN
faba-33	146	8	not	not	PART
faba-33	146	9	so	so	ADV
faba-33	146	10	much	much	ADJ
faba-33	146	11	for	for	ADP
faba-33	146	12	savings	saving	NOUN
faba-33	146	13	as	as	ADP
faba-33	146	14	for	for	ADP
faba-33	146	15	an	an	DET
faba-33	146	16	intermediary	intermediary	ADJ
faba-33	146	17	agent	agent	NOUN
faba-33	146	18	who	who	PRON
faba-33	146	19	provides	provide	VERB
faba-33	146	20	them	they	PRON
faba-33	146	21	with	with	ADP
faba-33	146	22	all	all	DET
faba-33	146	23	types	type	NOUN
faba-33	146	24	of	of	ADP
faba-33	146	25	financial	financial	ADJ
faba-33	146	26	services	service	NOUN
faba-33	146	27	that	that	PRON
faba-33	146	28	they	they	PRON
faba-33	146	29	need	need	VERB
faba-33	146	30	.	.	PUNCT
faba-33	147	1	moreover	moreover	ADV
faba-33	147	2	,	,	PUNCT
faba-33	147	3	since	since	SCONJ
faba-33	147	4	most	most	ADJ
faba-33	147	5	of	of	ADP
faba-33	147	6	the	the	DET
faba-33	147	7	payment	payment	NOUN
faba-33	147	8	and	and	CCONJ
faba-33	147	9	transactions	transaction	NOUN
faba-33	147	10	are	be	AUX
faba-33	147	11	now	now	ADV
faba-33	147	12	being	be	AUX
faba-33	147	13	done	do	VERB
faba-33	147	14	through	through	ADP
faba-33	147	15	electronic	electronic	ADJ
faba-33	147	16	transfers	transfer	NOUN
faba-33	147	17	or	or	CCONJ
faba-33	147	18	bank	bank	NOUN
faba-33	147	19	transfers	transfer	NOUN
faba-33	147	20	this	this	PRON
faba-33	147	21	stipulates	stipulate	VERB
faba-33	147	22	depositors	depositor	NOUN
faba-33	147	23	to	to	PART
faba-33	147	24	keep	keep	VERB
faba-33	147	25	their	their	PRON
faba-33	147	26	funds	fund	NOUN
faba-33	147	27	in	in	ADP
faba-33	147	28	banks	bank	NOUN
faba-33	147	29	even	even	ADV
faba-33	147	30	if	if	SCONJ
faba-33	147	31	they	they	PRON
faba-33	147	32	do	do	AUX
faba-33	147	33	not	not	PART
faba-33	147	34	receive	receive	VERB
faba-33	147	35	any	any	DET
faba-33	147	36	interest	interest	NOUN
faba-33	147	37	for	for	ADP
faba-33	147	38	that	that	PRON
faba-33	147	39	.	.	PUNCT
faba-33	148	1	that	that	PRON
faba-33	148	2	could	could	AUX
faba-33	148	3	be	be	AUX
faba-33	148	4	seen	see	VERB
faba-33	148	5	on	on	ADP
faba-33	148	6	the	the	DET
faba-33	148	7	next	next	ADJ
faba-33	148	8	figure	figure	NOUN
faba-33	148	9	12	12	NUM
faba-33	148	10	.	.	PUNCT
faba-33	149	1	fig	fig	NOUN
faba-33	149	2	.	.	PUNCT
faba-33	150	1	12	12	NUM
faba-33	150	2	source	source	NOUN
faba-33	150	3	:	:	PUNCT
faba-33	150	4	self	self	NOUN
faba-33	150	5	-	-	PUNCT
faba-33	150	6	calculations	calculation	NOUN
faba-33	150	7	,	,	PUNCT
faba-33	150	8	bulgarian	bulgarian	ADJ
faba-33	150	9	national	national	PROPN
faba-33	150	10	bank	bank	PROPN
faba-33	150	11	statistics	statistic	NOUN
faba-33	150	12	.	.	PUNCT
faba-33	151	1	for	for	ADP
faba-33	151	2	the	the	DET
faba-33	151	3	period	period	NOUN
faba-33	151	4	of	of	ADP
faba-33	151	5	2011	2011	NUM
faba-33	151	6	-	-	SYM
faba-33	151	7	2.2020	2.2020	NUM
faba-33	151	8	the	the	DET
faba-33	151	9	monthly	monthly	ADJ
faba-33	151	10	growth	growth	NOUN
faba-33	151	11	rate	rate	NOUN
faba-33	151	12	of	of	ADP
faba-33	151	13	deposits	deposit	NOUN
faba-33	151	14	in	in	ADP
faba-33	151	15	bulgaria	bulgaria	PROPN
faba-33	151	16	has	have	AUX
faba-33	151	17	mostly	mostly	ADV
faba-33	151	18	been	be	AUX
faba-33	151	19	positive	positive	ADJ
faba-33	151	20	and	and	CCONJ
faba-33	151	21	the	the	DET
faba-33	151	22	nominal	nominal	ADJ
faba-33	151	23	amount	amount	NOUN
faba-33	151	24	of	of	ADP
faba-33	151	25	deposits	deposit	NOUN
faba-33	151	26	keeps	keep	VERB
faba-33	151	27	increasing	increase	VERB
faba-33	151	28	from	from	ADP
faba-33	151	29	45	45	NUM
faba-33	151	30	billion	billion	NUM
faba-33	151	31	.	.	PUNCT
faba-33	152	1	bgn	bgn	NOUN
faba-33	152	2	in	in	ADP
faba-33	152	3	the	the	DET
faba-33	152	4	beginning	beginning	NOUN
faba-33	152	5	of	of	ADP
faba-33	152	6	the	the	DET
faba-33	152	7	period	period	NOUN
faba-33	152	8	to	to	ADP
faba-33	152	9	85,7	85,7	NUM
faba-33	152	10	billion	billion	NUM
faba-33	152	11	.	.	PUNCT
faba-33	153	1	bgn	bgn	NOUN
faba-33	153	2	as	as	ADP
faba-33	153	3	of	of	ADP
faba-33	153	4	the	the	DET
faba-33	153	5	end	end	NOUN
faba-33	153	6	of	of	ADP
faba-33	153	7	2019	2019	NUM
faba-33	153	8	.	.	PUNCT
faba-33	154	1	this	this	PRON
faba-33	154	2	proves	prove	VERB
faba-33	154	3	that	that	SCONJ
faba-33	154	4	money	money	NOUN
faba-33	154	5	is	be	AUX
faba-33	154	6	not	not	PART
faba-33	154	7	flowing	flow	VERB
faba-33	154	8	out	out	ADP
faba-33	154	9	of	of	ADP
faba-33	154	10	credit	credit	NOUN
faba-33	154	11	institutions	institution	NOUN
faba-33	154	12	because	because	SCONJ
faba-33	154	13	of	of	ADP
faba-33	154	14	low	low	ADJ
faba-33	154	15	or	or	CCONJ
faba-33	154	16	zero	zero	NUM
faba-33	154	17	interest	interest	NOUN
faba-33	154	18	rates	rate	NOUN
faba-33	154	19	.	.	PUNCT
faba-33	155	1	however	however	ADV
faba-33	155	2	,	,	PUNCT
faba-33	155	3	it	it	PRON
faba-33	155	4	could	could	AUX
faba-33	155	5	be	be	AUX
faba-33	155	6	said	say	VERB
faba-33	155	7	that	that	SCONJ
faba-33	155	8	the	the	DET
faba-33	155	9	down	down	ADJ
faba-33	155	10	limit	limit	NOUN
faba-33	155	11	is	be	AUX
faba-33	155	12	reached	reach	VERB
faba-33	155	13	.	.	PUNCT
faba-33	156	1	banks	bank	NOUN
faba-33	156	2	could	could	AUX
faba-33	156	3	not	not	PART
faba-33	156	4	further	far	ADV
faba-33	156	5	lower	lower	VERB
faba-33	156	6	the	the	DET
faba-33	156	7	interest	interest	NOUN
faba-33	156	8	rates	rate	NOUN
faba-33	156	9	on	on	ADP
faba-33	156	10	deposits	deposit	NOUN
faba-33	156	11	and	and	CCONJ
faba-33	156	12	loans	loan	NOUN
faba-33	156	13	too	too	ADV
faba-33	156	14	if	if	SCONJ
faba-33	156	15	they	they	PRON
faba-33	156	16	could	could	AUX
faba-33	156	17	have	have	AUX
faba-33	156	18	done	do	VERB
faba-33	156	19	it	it	PRON
faba-33	156	20	already	already	ADV
faba-33	156	21	.	.	PUNCT
faba-33	157	1	another	another	DET
faba-33	157	2	explanation	explanation	NOUN
faba-33	157	3	for	for	ADP
faba-33	157	4	the	the	DET
faba-33	157	5	increasing	increase	VERB
faba-33	157	6	volume	volume	NOUN
faba-33	157	7	of	of	ADP
faba-33	157	8	deposits	deposit	NOUN
faba-33	157	9	is	be	AUX
faba-33	157	10	the	the	DET
faba-33	157	11	incentive	incentive	NOUN
faba-33	157	12	to	to	PART
faba-33	157	13	increase	increase	VERB
faba-33	157	14	savings	saving	NOUN
faba-33	157	15	as	as	ADP
faba-33	157	16	a	a	DET
faba-33	157	17	diyana	diyana	PROPN
faba-33	157	18	miteva	miteva	PROPN
faba-33	157	19	/	/	SYM
faba-33	157	20	finance	finance	NOUN
faba-33	157	21	,	,	PUNCT
faba-33	157	22	accounting	accounting	NOUN
faba-33	157	23	and	and	CCONJ
faba-33	157	24	business	business	NOUN
faba-33	157	25	analysis	analysis	NOUN
faba-33	157	26	2	2	NUM
faba-33	157	27	(	(	PUNCT
faba-33	157	28	1	1	NUM
faba-33	157	29	)	)	PUNCT
faba-33	157	30	2020	2020	NUM
faba-33	157	31	49	49	NUM
faba-33	157	32	reaction	reaction	NOUN
faba-33	157	33	of	of	ADP
faba-33	157	34	decreasing	decrease	VERB
faba-33	157	35	profitability	profitability	NOUN
faba-33	157	36	of	of	ADP
faba-33	157	37	investments	investment	NOUN
faba-33	157	38	.	.	PUNCT
faba-33	158	1	empirical	empirical	ADJ
faba-33	158	2	results	result	NOUN
faba-33	158	3	the	the	DET
faba-33	158	4	results	result	NOUN
faba-33	158	5	of	of	ADP
faba-33	158	6	the	the	DET
faba-33	158	7	regression	regression	NOUN
faba-33	158	8	analysis	analysis	NOUN
faba-33	158	9	for	for	ADP
faba-33	158	10	the	the	DET
faba-33	158	11	relation	relation	NOUN
faba-33	158	12	between	between	ADP
faba-33	158	13	interest	interest	NOUN
faba-33	158	14	rates	rate	NOUN
faba-33	158	15	on	on	ADP
faba-33	158	16	deposits	deposit	NOUN
faba-33	158	17	and	and	CCONJ
faba-33	158	18	loans	loan	NOUN
faba-33	158	19	for	for	ADP
faba-33	158	20	non	non	ADJ
faba-33	158	21	-	-	ADJ
faba-33	158	22	financial	financial	ADJ
faba-33	158	23	corporations	corporation	NOUN
faba-33	158	24	in	in	ADP
faba-33	158	25	bulgaria	bulgaria	PROPN
faba-33	158	26	(	(	PUNCT
faba-33	158	27	in	in	ADP
faba-33	158	28	bgn	bgn	NOUN
faba-33	158	29	)	)	PUNCT
faba-33	158	30	for	for	ADP
faba-33	158	31	158	158	NUM
faba-33	158	32	months	month	NOUN
faba-33	158	33	starting	start	VERB
faba-33	158	34	from	from	ADP
faba-33	158	35	january	january	PROPN
faba-33	158	36	2007	2007	NUM
faba-33	158	37	is	be	AUX
faba-33	158	38	shown	show	VERB
faba-33	158	39	on	on	ADP
faba-33	158	40	table	table	NOUN
faba-33	158	41	1	1	NUM
faba-33	158	42	.	.	PUNCT
faba-33	159	1	the	the	DET
faba-33	159	2	r2	r2	PROPN
faba-33	159	3	value	value	NOUN
faba-33	159	4	is	be	AUX
faba-33	159	5	0.8555	0.8555	NUM
faba-33	159	6	meaning	mean	VERB
faba-33	159	7	that	that	SCONJ
faba-33	159	8	85.5	85.5	NUM
faba-33	159	9	percent	percent	NOUN
faba-33	159	10	of	of	ADP
faba-33	159	11	the	the	DET
faba-33	159	12	total	total	ADJ
faba-33	159	13	variance	variance	NOUN
faba-33	159	14	in	in	ADP
faba-33	159	15	the	the	DET
faba-33	159	16	loan	loan	NOUN
faba-33	159	17	interest	interest	NOUN
faba-33	159	18	rates	rate	NOUN
faba-33	159	19	can	can	AUX
faba-33	159	20	been	be	AUX
faba-33	159	21	explained	explain	VERB
faba-33	159	22	.	.	PUNCT
faba-33	160	1	the	the	DET
faba-33	160	2	significant	significant	ADJ
faba-33	160	3	f	f	PROPN
faba-33	160	4	statistic	statistic	NOUN
faba-33	160	5	in	in	ADP
faba-33	160	6	anova	anova	PROPN
faba-33	160	7	results	result	NOUN
faba-33	160	8	indicate	indicate	VERB
faba-33	160	9	that	that	SCONJ
faba-33	160	10	the	the	DET
faba-33	160	11	model	model	NOUN
faba-33	160	12	is	be	AUX
faba-33	160	13	significant	significant	ADJ
faba-33	160	14	for	for	ADP
faba-33	160	15	our	our	PRON
faba-33	160	16	study	study	NOUN
faba-33	160	17	.	.	PUNCT
faba-33	161	1	the	the	DET
faba-33	161	2	relationship	relationship	NOUN
faba-33	161	3	between	between	ADP
faba-33	161	4	deposit	deposit	NOUN
faba-33	161	5	and	and	CCONJ
faba-33	161	6	loans	loan	NOUN
faba-33	161	7	interest	interest	NOUN
faba-33	161	8	rates	rate	NOUN
faba-33	161	9	can	can	AUX
faba-33	161	10	be	be	AUX
faba-33	161	11	noticed	notice	VERB
faba-33	161	12	from	from	ADP
faba-33	161	13	table	table	NOUN
faba-33	161	14	(	(	PUNCT
faba-33	161	15	1	1	NUM
faba-33	161	16	)	)	PUNCT
faba-33	161	17	.	.	PUNCT
faba-33	162	1	the	the	DET
faba-33	162	2	coefficients	coefficient	NOUN
faba-33	162	3	on	on	ADP
faba-33	162	4	independent	independent	ADJ
faba-33	162	5	variable	variable	NOUN
faba-33	162	6	(	(	PUNCT
faba-33	162	7	interest	interest	NOUN
faba-33	162	8	rates	rate	NOUN
faba-33	162	9	on	on	ADP
faba-33	162	10	deposits	deposit	NOUN
faba-33	162	11	)	)	PUNCT
faba-33	162	12	is	be	AUX
faba-33	162	13	positive	positive	ADJ
faba-33	162	14	1,24	1,24	NUM
faba-33	162	15	and	and	CCONJ
faba-33	162	16	significant	significant	ADJ
faba-33	162	17	at	at	ADP
faba-33	162	18	0.05	0.05	NUM
faba-33	162	19	level	level	NOUN
faba-33	162	20	.	.	PUNCT
faba-33	163	1	table	table	NOUN
faba-33	163	2	1	1	NUM
faba-33	163	3	.	.	PUNCT
faba-33	164	1	deposits	deposit	NOUN
faba-33	164	2	and	and	CCONJ
faba-33	164	3	loans	loan	NOUN
faba-33	164	4	for	for	ADP
faba-33	164	5	non	non	ADJ
faba-33	164	6	-	-	ADJ
faba-33	164	7	financial	financial	ADJ
faba-33	164	8	corporations	corporation	NOUN
faba-33	164	9	in	in	ADP
faba-33	164	10	bgn	bgn	NOUN
faba-33	164	11	in	in	ADP
faba-33	164	12	bulgaria	bulgaria	PROPN
faba-33	164	13	regression	regression	PROPN
faba-33	164	14	statistics	statistic	NOUN
faba-33	164	15	multiple	multiple	ADJ
faba-33	164	16	r	r	NOUN
faba-33	164	17	0.92495032	0.92495032	NUM
faba-33	164	18	2	2	NUM
faba-33	164	19	r	r	NOUN
faba-33	164	20	square	square	NOUN
faba-33	164	21	0.85553309	0.85553309	NUM
faba-33	164	22	8	8	NUM
faba-33	164	23	adjusted	adjust	VERB
faba-33	164	24	r	r	NOUN
faba-33	164	25	square	square	NOUN
faba-33	164	26	0.85460702	0.85460702	NUM
faba-33	164	27	8	8	NUM
faba-33	164	28	standard	standard	ADJ
faba-33	164	29	error	error	NOUN
faba-33	164	30	1.06573780	1.06573780	NUM
faba-33	164	31	2	2	NUM
faba-33	164	32	observations	observation	NOUN
faba-33	164	33	158	158	NUM
faba-33	164	34	anova	anova	PROPN
faba-33	164	35	df	df	PROPN
faba-33	164	36	ss	ss	PROPN
faba-33	165	1	ms	ms	PROPN
faba-33	165	2	f	f	PROPN
faba-33	165	3	significanc	significanc	NOUN
faba-33	165	4	e	e	PROPN
faba-33	165	5	f	f	PROPN
faba-33	165	6	regression	regression	VERB
faba-33	165	7	1	1	NUM
faba-33	165	8	1049.28	1049.28	NUM
faba-33	165	9	6	6	NUM
faba-33	165	10	1049.28580	1049.28580	PROPN
faba-33	165	11	1	1	NUM
faba-33	165	12	923.832	923.832	NUM
faba-33	165	13	1	1	NUM
faba-33	165	14	2e-67	2e-67	NUM
faba-33	165	15	residual	residual	ADJ
faba-33	165	16	156	156	NUM
faba-33	165	17	177.184	177.184	NUM
faba-33	165	18	3	3	NUM
faba-33	165	19	1.13579706	1.13579706	NUM
faba-33	165	20	2	2	NUM
faba-33	165	21	total	total	NOUN
faba-33	165	22	157	157	NUM
faba-33	165	23	1226.47	1226.47	NUM
faba-33	165	24	coefficients	coefficient	NOUN
faba-33	165	25	standar	standar	NOUN
faba-33	165	26	d	d	NOUN
faba-33	165	27	error	error	NOUN
faba-33	165	28	t	t	NOUN
faba-33	165	29	stat	stat	NOUN
faba-33	165	30	p	p	NOUN
faba-33	165	31	-	-	PUNCT
faba-33	165	32	value	value	NOUN
faba-33	165	33	lower	low	ADJ
faba-33	165	34	95	95	NUM
faba-33	165	35	%	%	NOUN
faba-33	165	36	upper	upper	ADJ
faba-33	165	37	95	95	NUM
faba-33	165	38	%	%	NOUN
faba-33	165	39	lower	low	ADJ
faba-33	165	40	95.0	95.0	NUM
faba-33	165	41	%	%	NOUN
faba-33	165	42	upper	upper	ADJ
faba-33	165	43	95.0	95.0	NUM
faba-33	165	44	%	%	NOUN
faba-33	165	45	intercept	intercept	NOUN
faba-33	165	46	4.14909496	4.14909496	NUM
faba-33	165	47	6	6	NUM
faba-33	165	48	0.13356	0.13356	NUM
faba-33	165	49	4	4	NUM
faba-33	165	50	31.0645508	31.0645508	NUM
faba-33	165	51	4	4	NUM
faba-33	165	52	1.07e68	1.07e68	NUM
faba-33	165	53	3.885268	3.885268	NUM
faba-33	165	54	4.41292	4.41292	NUM
faba-33	165	55	2	2	NUM
faba-33	165	56	3.88526	3.88526	NUM
faba-33	165	57	8	8	NUM
faba-33	165	58	4.41292	4.41292	NUM
faba-33	165	59	2	2	NUM
faba-33	165	60	x	x	PART
faba-33	165	61	variable	variable	ADJ
faba-33	165	62	1	1	NUM
faba-33	165	63	1.24037666	1.24037666	NUM
faba-33	165	64	7	7	NUM
faba-33	165	65	0.04080	0.04080	NUM
faba-33	165	66	9	9	NUM
faba-33	165	67	30.3946066	30.3946066	NUM
faba-33	165	68	6	6	NUM
faba-33	165	69	2e-67	2e-67	NUM
faba-33	165	70	1.159767	1.159767	NUM
faba-33	165	71	1.32098	1.32098	NUM
faba-33	165	72	6	6	NUM
faba-33	165	73	1.15976	1.15976	NUM
faba-33	165	74	7	7	NUM
faba-33	165	75	1.32098	1.32098	NUM
faba-33	165	76	6	6	NUM
faba-33	165	77	the	the	DET
faba-33	165	78	results	result	NOUN
faba-33	165	79	of	of	ADP
faba-33	165	80	the	the	DET
faba-33	165	81	regression	regression	NOUN
faba-33	165	82	analysis	analysis	NOUN
faba-33	165	83	for	for	ADP
faba-33	165	84	the	the	DET
faba-33	165	85	relation	relation	NOUN
faba-33	165	86	between	between	ADP
faba-33	165	87	interest	interest	NOUN
faba-33	165	88	rates	rate	NOUN
faba-33	165	89	on	on	ADP
faba-33	165	90	deposits	deposit	NOUN
faba-33	165	91	and	and	CCONJ
faba-33	165	92	loans	loan	NOUN
faba-33	165	93	for	for	ADP
faba-33	165	94	non	non	ADJ
faba-33	165	95	-	-	ADJ
faba-33	165	96	financial	financial	ADJ
faba-33	165	97	corporations	corporation	NOUN
faba-33	165	98	in	in	ADP
faba-33	165	99	bulgaria	bulgaria	PROPN
faba-33	165	100	(	(	PUNCT
faba-33	165	101	in	in	ADP
faba-33	165	102	eur	eur	NOUN
faba-33	165	103	)	)	PUNCT
faba-33	165	104	for	for	ADP
faba-33	165	105	158	158	NUM
faba-33	165	106	months	month	NOUN
faba-33	165	107	starting	start	VERB
faba-33	165	108	from	from	ADP
faba-33	165	109	january	january	PROPN
faba-33	165	110	2007	2007	NUM
faba-33	165	111	is	be	AUX
faba-33	165	112	shown	show	VERB
faba-33	165	113	on	on	ADP
faba-33	165	114	table	table	NOUN
faba-33	165	115	2	2	NUM
faba-33	165	116	.	.	PUNCT
faba-33	166	1	the	the	DET
faba-33	166	2	r2	r2	PROPN
faba-33	166	3	value	value	NOUN
faba-33	166	4	is	be	AUX
faba-33	166	5	0.7349	0.7349	NUM
faba-33	166	6	meaning	mean	VERB
faba-33	166	7	that	that	SCONJ
faba-33	166	8	73,49	73,49	NUM
faba-33	166	9	percent	percent	NOUN
faba-33	166	10	of	of	ADP
faba-33	166	11	the	the	DET
faba-33	166	12	total	total	ADJ
faba-33	166	13	variance	variance	NOUN
faba-33	166	14	in	in	ADP
faba-33	166	15	the	the	DET
faba-33	166	16	loan	loan	NOUN
faba-33	166	17	interest	interest	NOUN
faba-33	166	18	rates	rate	NOUN
faba-33	166	19	can	can	AUX
faba-33	166	20	been	be	AUX
faba-33	166	21	explained	explain	VERB
faba-33	166	22	.	.	PUNCT
faba-33	167	1	the	the	DET
faba-33	167	2	significant	significant	ADJ
faba-33	167	3	f	f	PROPN
faba-33	167	4	statistic	statistic	NOUN
faba-33	167	5	in	in	ADP
faba-33	167	6	anova	anova	PROPN
faba-33	167	7	results	result	NOUN
faba-33	167	8	indicate	indicate	VERB
faba-33	167	9	that	that	SCONJ
faba-33	167	10	the	the	DET
faba-33	167	11	model	model	NOUN
faba-33	167	12	is	be	AUX
faba-33	167	13	significant	significant	ADJ
faba-33	167	14	for	for	ADP
faba-33	167	15	our	our	PRON
faba-33	167	16	study	study	NOUN
faba-33	167	17	.	.	PUNCT
faba-33	168	1	the	the	DET
faba-33	168	2	relationship	relationship	NOUN
faba-33	168	3	between	between	ADP
faba-33	168	4	deposit	deposit	NOUN
faba-33	168	5	and	and	CCONJ
faba-33	168	6	loans	loan	NOUN
faba-33	168	7	interest	interest	NOUN
faba-33	168	8	rates	rate	NOUN
faba-33	168	9	can	can	AUX
faba-33	168	10	be	be	AUX
faba-33	168	11	noticed	notice	VERB
faba-33	168	12	from	from	ADP
faba-33	168	13	table	table	NOUN
faba-33	168	14	(	(	PUNCT
faba-33	168	15	2	2	NUM
faba-33	168	16	)	)	PUNCT
faba-33	168	17	.	.	PUNCT
faba-33	169	1	the	the	DET
faba-33	169	2	coefficients	coefficient	NOUN
faba-33	169	3	on	on	ADP
faba-33	169	4	independent	independent	ADJ
faba-33	169	5	variable	variable	NOUN
faba-33	169	6	(	(	PUNCT
faba-33	169	7	interest	interest	NOUN
faba-33	169	8	rates	rate	NOUN
faba-33	169	9	on	on	ADP
faba-33	169	10	deposits	deposit	NOUN
faba-33	169	11	)	)	PUNCT
faba-33	169	12	is	be	AUX
faba-33	169	13	positive	positive	ADJ
faba-33	169	14	1,27	1,27	NOUN
faba-33	169	15	and	and	CCONJ
faba-33	169	16	significant	significant	ADJ
faba-33	169	17	at	at	ADP
faba-33	169	18	0.05	0.05	NUM
faba-33	169	19	level	level	NOUN
faba-33	169	20	.	.	PUNCT
faba-33	170	1	table	table	NOUN
faba-33	170	2	2	2	NUM
faba-33	170	3	.	.	PUNCT
faba-33	170	4	deposits	deposit	NOUN
faba-33	170	5	and	and	CCONJ
faba-33	170	6	loans	loan	NOUN
faba-33	170	7	for	for	ADP
faba-33	170	8	non	non	ADJ
faba-33	170	9	-	-	ADJ
faba-33	170	10	financial	financial	ADJ
faba-33	170	11	corporations	corporation	NOUN
faba-33	170	12	in	in	ADP
faba-33	170	13	eur	eur	NOUN
faba-33	170	14	in	in	ADP
faba-33	170	15	bulgaria	bulgaria	PROPN
faba-33	170	16	regression	regression	PROPN
faba-33	170	17	statistics	statistic	NOUN
faba-33	171	1	multiple	multiple	ADJ
faba-33	171	2	r	r	NOUN
faba-33	171	3	0.857272	0.857272	NUM
faba-33	171	4	r	r	NOUN
faba-33	171	5	square	square	NOUN
faba-33	171	6	0.734915	0.734915	NUM
faba-33	171	7	adjusted	adjust	VERB
faba-33	171	8	r	r	NOUN
faba-33	171	9	square	square	NOUN
faba-33	171	10	0.733216	0.733216	NUM
faba-33	171	11	standard	standard	ADJ
faba-33	171	12	error	error	NOUN
faba-33	171	13	1.23346	1.23346	NUM
faba-33	171	14	observations	observation	NOUN
faba-33	171	15	158	158	NUM
faba-33	171	16	anova	anova	PROPN
faba-33	171	17	diyana	diyana	PROPN
faba-33	171	18	miteva	miteva	PROPN
faba-33	171	19	/	/	SYM
faba-33	171	20	finance	finance	NOUN
faba-33	171	21	,	,	PUNCT
faba-33	171	22	accounting	accounting	NOUN
faba-33	171	23	and	and	CCONJ
faba-33	171	24	business	business	NOUN
faba-33	171	25	analysis	analysis	NOUN
faba-33	171	26	2	2	NUM
faba-33	171	27	(	(	PUNCT
faba-33	171	28	1	1	NUM
faba-33	171	29	)	)	PUNCT
faba-33	171	30	2020	2020	NUM
faba-33	171	31	50	50	NUM
faba-33	171	32	df	df	NOUN
faba-33	171	33	ss	ss	PROPN
faba-33	171	34	ms	ms	PROPN
faba-33	171	35	f	f	PROPN
faba-33	171	36	significanc	significanc	NOUN
faba-33	171	37	e	e	PROPN
faba-33	171	38	f	f	PROPN
faba-33	171	39	regression	regression	VERB
faba-33	171	40	1	1	NUM
faba-33	171	41	658.0006	658.0006	NUM
faba-33	171	42	658.00	658.00	NUM
faba-33	171	43	06	06	NUM
faba-33	171	44	432.49	432.49	NUM
faba-33	171	45	7.84601e47	7.84601e47	NUM
faba-33	171	46	residual	residual	ADJ
faba-33	171	47	156	156	NUM
faba-33	171	48	237.3421	237.3421	NUM
faba-33	171	49	1.5214	1.5214	NUM
faba-33	171	50	24	24	NUM
faba-33	171	51	total	total	NOUN
faba-33	171	52	157	157	NUM
faba-33	171	53	895.3427	895.3427	NUM
faba-33	171	54	coefficie	coefficie	NOUN
faba-33	171	55	nts	nt	NOUN
faba-33	171	56	standard	standard	ADJ
faba-33	171	57	error	error	NOUN
faba-33	171	58	t	t	NOUN
faba-33	171	59	stat	stat	NOUN
faba-33	171	60	pvalue	pvalue	VERB
faba-33	171	61	lower	low	ADJ
faba-33	171	62	95	95	NUM
faba-33	171	63	%	%	NOUN
faba-33	171	64	upper	upper	ADJ
faba-33	171	65	95	95	NUM
faba-33	171	66	%	%	NOUN
faba-33	171	67	lower	low	ADJ
faba-33	171	68	95.0	95.0	NUM
faba-33	171	69	%	%	NOUN
faba-33	171	70	upper	upper	ADJ
faba-33	171	71	95.0	95.0	NUM
faba-33	171	72	%	%	NOUN
faba-33	171	73	intercept	intercept	VERB
faba-33	171	74	3.933894	3.933894	NUM
faba-33	171	75	0.162413	0.162413	NUM
faba-33	171	76	24.221	24.221	NUM
faba-33	171	77	5	5	NUM
faba-33	171	78	9.91e55	9.91e55	NUM
faba-33	171	79	3.6130806	3.6130806	NUM
faba-33	171	80	5	5	NUM
faba-33	171	81	4.254706	4.254706	NUM
faba-33	171	82	3.613081	3.613081	NUM
faba-33	171	83	4.254706	4.254706	NUM
faba-33	171	84	x	x	SYM
faba-33	171	85	variable	variable	ADJ
faba-33	171	86	1	1	NUM
faba-33	171	87	1.272817	1.272817	NUM
faba-33	171	88	0.061204	0.061204	NUM
faba-33	171	89	20.796	20.796	NUM
faba-33	171	90	39	39	NUM
faba-33	171	91	7.85e47	7.85e47	NOUN
faba-33	171	92	1.1519220	1.1519220	NUM
faba-33	171	93	4	4	NUM
faba-33	171	94	1.393712	1.393712	NUM
faba-33	171	95	1.151922	1.151922	NUM
faba-33	171	96	1.393712	1.393712	NUM
faba-33	171	97	discussion	discussion	NOUN
faba-33	171	98	and	and	CCONJ
faba-33	171	99	conclusions	conclusion	NOUN
faba-33	171	100	the	the	DET
faba-33	171	101	global	global	ADJ
faba-33	171	102	policy	policy	NOUN
faba-33	171	103	of	of	ADP
faba-33	171	104	low	low	ADJ
faba-33	171	105	interest	interest	NOUN
faba-33	171	106	rates	rate	NOUN
faba-33	171	107	has	have	AUX
faba-33	171	108	also	also	ADV
faba-33	171	109	influenced	influence	VERB
faba-33	171	110	the	the	DET
faba-33	171	111	bulgarian	bulgarian	ADJ
faba-33	171	112	banking	banking	NOUN
faba-33	171	113	market	market	NOUN
faba-33	171	114	,	,	PUNCT
faba-33	171	115	and	and	CCONJ
faba-33	171	116	a	a	DET
faba-33	171	117	continues	continue	NOUN
faba-33	171	118	decrease	decrease	NOUN
faba-33	171	119	since	since	SCONJ
faba-33	171	120	2009	2009	NUM
faba-33	171	121	was	be	AUX
faba-33	171	122	at	at	ADP
faba-33	171	123	place	place	NOUN
faba-33	171	124	till	till	SCONJ
faba-33	171	125	the	the	DET
faba-33	171	126	beginning	beginning	NOUN
faba-33	171	127	of	of	ADP
faba-33	171	128	2020	2020	NUM
faba-33	171	129	.	.	PUNCT
faba-33	172	1	the	the	DET
faba-33	172	2	monetary	monetary	ADJ
faba-33	172	3	policy	policy	NOUN
faba-33	172	4	of	of	ADP
faba-33	172	5	the	the	DET
faba-33	172	6	bnb	bnb	NOUN
faba-33	172	7	to	to	PART
faba-33	172	8	charge	charge	VERB
faba-33	172	9	negative	negative	ADJ
faba-33	172	10	interest	interest	NOUN
faba-33	172	11	on	on	ADP
faba-33	172	12	excess	excess	ADJ
faba-33	172	13	reserves	reserve	NOUN
faba-33	172	14	of	of	ADP
faba-33	172	15	banks	bank	NOUN
faba-33	172	16	since	since	SCONJ
faba-33	172	17	january	january	PROPN
faba-33	172	18	2016	2016	NUM
faba-33	172	19	has	have	AUX
faba-33	172	20	led	lead	VERB
faba-33	172	21	to	to	ADP
faba-33	172	22	deposit	deposit	VERB
faba-33	172	23	rates	rate	NOUN
faba-33	172	24	of	of	ADP
faba-33	172	25	0	0	NUM
faba-33	172	26	%	%	NOUN
faba-33	172	27	for	for	ADP
faba-33	172	28	households	household	NOUN
faba-33	172	29	and	and	CCONJ
faba-33	172	30	even	even	ADV
faba-33	172	31	negative	negative	ADJ
faba-33	172	32	for	for	ADP
faba-33	172	33	non	non	ADJ
faba-33	172	34	-	-	ADJ
faba-33	172	35	financial	financial	ADJ
faba-33	172	36	institutions	institution	NOUN
faba-33	172	37	.	.	PUNCT
faba-33	173	1	the	the	DET
faba-33	173	2	study	study	NOUN
faba-33	173	3	shown	show	VERB
faba-33	173	4	that	that	SCONJ
faba-33	173	5	interest	interest	NOUN
faba-33	173	6	rates	rate	NOUN
faba-33	173	7	on	on	ADP
faba-33	173	8	deposits	deposit	NOUN
faba-33	173	9	impact	impact	VERB
faba-33	173	10	the	the	DET
faba-33	173	11	interest	interest	NOUN
faba-33	173	12	rates	rate	NOUN
faba-33	173	13	on	on	ADP
faba-33	173	14	loans	loan	NOUN
faba-33	173	15	both	both	CCONJ
faba-33	173	16	in	in	ADP
faba-33	173	17	local	local	ADJ
faba-33	173	18	and	and	CCONJ
faba-33	173	19	euro	euro	NOUN
faba-33	173	20	currency	currency	NOUN
faba-33	173	21	in	in	ADP
faba-33	173	22	bulgaria	bulgaria	PROPN
faba-33	173	23	as	as	SCONJ
faba-33	173	24	shown	show	VERB
faba-33	173	25	by	by	ADP
faba-33	173	26	the	the	DET
faba-33	173	27	numbers	number	NOUN
faba-33	173	28	.	.	PUNCT
faba-33	174	1	it	it	PRON
faba-33	174	2	is	be	AUX
faba-33	174	3	concluded	conclude	VERB
faba-33	174	4	that	that	SCONJ
faba-33	174	5	joining	join	VERB
faba-33	174	6	the	the	DET
faba-33	174	7	euro	euro	PROPN
faba-33	174	8	area	area	NOUN
faba-33	174	9	lowers	lower	VERB
faba-33	174	10	these	these	DET
faba-33	174	11	interest	interest	NOUN
faba-33	174	12	rates	rate	NOUN
faba-33	174	13	(	(	PUNCT
faba-33	174	14	gechev	gechev	ADJ
faba-33	174	15	,	,	PUNCT
faba-33	174	16	r.	r.	PROPN
faba-33	174	17	,	,	PUNCT
faba-33	174	18	beev	beev	PROPN
faba-33	174	19	,	,	PUNCT
faba-33	174	20	i.	i.	PROPN
faba-33	174	21	,	,	PUNCT
faba-33	174	22	hristozov	hristozov	NOUN
faba-33	174	23	,	,	PUNCT
faba-33	174	24	y.	y.	PROPN
faba-33	174	25	)	)	PUNCT
faba-33	174	26	however	however	ADV
faba-33	174	27	,	,	PUNCT
faba-33	174	28	zero	zero	NUM
faba-33	174	29	lower	lower	ADV
faba-33	174	30	bound	bind	VERB
faba-33	174	31	exists	exist	NOUN
faba-33	174	32	for	for	ADP
faba-33	174	33	interest	interest	NOUN
faba-33	174	34	rates	rate	NOUN
faba-33	174	35	of	of	ADP
faba-33	174	36	household	household	NOUN
faba-33	174	37	deposits	deposit	NOUN
faba-33	174	38	and	and	CCONJ
faba-33	174	39	that	that	PRON
faba-33	174	40	one	one	NOUN
faba-33	174	41	has	have	AUX
faba-33	174	42	still	still	ADV
faba-33	174	43	not	not	PART
faba-33	174	44	been	be	AUX
faba-33	174	45	crossed	cross	VERB
faba-33	174	46	.	.	PUNCT
faba-33	175	1	this	this	PRON
faba-33	175	2	could	could	AUX
faba-33	175	3	be	be	AUX
faba-33	175	4	explained	explain	VERB
faba-33	175	5	by	by	ADP
faba-33	175	6	the	the	DET
faba-33	175	7	fact	fact	NOUN
faba-33	175	8	that	that	SCONJ
faba-33	175	9	banks	bank	NOUN
faba-33	175	10	do	do	AUX
faba-33	175	11	not	not	PART
faba-33	175	12	believe	believe	VERB
faba-33	175	13	it	it	PRON
faba-33	175	14	is	be	AUX
faba-33	175	15	a	a	DET
faba-33	175	16	right	right	ADJ
faba-33	175	17	policy	policy	NOUN
faba-33	175	18	of	of	ADP
faba-33	175	19	crossing	cross	VERB
faba-33	175	20	the	the	DET
faba-33	175	21	zlb	zlb	NOUN
faba-33	175	22	and	and	CCONJ
faba-33	175	23	may	may	AUX
faba-33	175	24	be	be	AUX
faba-33	175	25	afraid	afraid	ADJ
faba-33	175	26	of	of	ADP
faba-33	175	27	depositor	depositor	NOUN
faba-33	175	28	’s	’s	PART
faba-33	175	29	reaction	reaction	NOUN
faba-33	175	30	and	and	CCONJ
faba-33	175	31	potential	potential	ADJ
faba-33	175	32	withdraw	withdraw	NOUN
faba-33	175	33	of	of	ADP
faba-33	175	34	deposits	deposit	NOUN
faba-33	175	35	.	.	PUNCT
faba-33	176	1	the	the	DET
faba-33	176	2	costs	cost	NOUN
faba-33	176	3	of	of	ADP
faba-33	176	4	negative	negative	ADJ
faba-33	176	5	interest	interest	NOUN
faba-33	176	6	rates	rate	NOUN
faba-33	176	7	are	be	AUX
faba-33	176	8	however	however	ADV
faba-33	176	9	compensated	compensate	VERB
faba-33	176	10	by	by	ADP
faba-33	176	11	banks	bank	NOUN
faba-33	176	12	through	through	ADP
faba-33	176	13	other	other	ADJ
faba-33	176	14	channels	channel	NOUN
faba-33	176	15	like	like	ADP
faba-33	176	16	increasing	increase	VERB
faba-33	176	17	fees	fee	NOUN
faba-33	176	18	on	on	ADP
faba-33	176	19	most	most	ADJ
faba-33	176	20	of	of	ADP
faba-33	176	21	the	the	DET
faba-33	176	22	bank	bank	NOUN
faba-33	176	23	services	service	NOUN
faba-33	176	24	.	.	PUNCT
faba-33	177	1	banks	bank	NOUN
faba-33	177	2	in	in	ADP
faba-33	177	3	bulgaria	bulgaria	PROPN
faba-33	177	4	have	have	AUX
faba-33	177	5	reported	report	VERB
faba-33	177	6	1,6	1,6	NUM
faba-33	177	7	billion	billion	NUM
faba-33	177	8	leva	leva	PROPN
faba-33	177	9	net	net	ADJ
faba-33	177	10	profit	profit	NOUN
faba-33	177	11	for	for	ADP
faba-33	177	12	2019	2019	NUM
faba-33	177	13	,	,	PUNCT
faba-33	177	14	besides	besides	SCONJ
faba-33	177	15	the	the	DET
faba-33	177	16	further	further	ADJ
faba-33	177	17	decrease	decrease	NOUN
faba-33	177	18	on	on	ADP
faba-33	177	19	excess	excess	ADJ
faba-33	177	20	reserves	reserve	NOUN
faba-33	177	21	interest	interest	NOUN
faba-33	177	22	rates	rate	NOUN
faba-33	177	23	(	(	PUNCT
faba-33	177	24	abb,2020	abb,2020	NOUN
faba-33	177	25	,	,	PUNCT
faba-33	177	26	p.2	p.2	NUM
faba-33	177	27	)	)	PUNCT
faba-33	177	28	.	.	PUNCT
faba-33	178	1	bulgaria	bulgaria	PROPN
faba-33	178	2	in	in	ADP
faba-33	178	3	comparison	comparison	NOUN
faba-33	178	4	to	to	ADP
faba-33	178	5	germany	germany	PROPN
faba-33	178	6	has	have	AUX
faba-33	178	7	not	not	PART
faba-33	178	8	crossed	cross	VERB
faba-33	178	9	the	the	DET
faba-33	178	10	zlb	zlb	NOUN
faba-33	178	11	for	for	ADP
faba-33	178	12	household	household	NOUN
faba-33	178	13	’s	’s	PART
faba-33	178	14	deposit	deposit	NOUN
faba-33	178	15	rates	rate	NOUN
faba-33	178	16	but	but	CCONJ
faba-33	178	17	did	do	AUX
faba-33	178	18	do	do	VERB
faba-33	178	19	it	it	PRON
faba-33	178	20	for	for	ADP
faba-33	178	21	non	non	ADJ
faba-33	178	22	-	-	ADJ
faba-33	178	23	financial	financial	ADJ
faba-33	178	24	corporations	corporation	NOUN
faba-33	178	25	.	.	PUNCT
faba-33	179	1	one	one	NUM
faba-33	179	2	of	of	ADP
faba-33	179	3	the	the	DET
faba-33	179	4	reasons	reason	NOUN
faba-33	179	5	this	this	PRON
faba-33	179	6	could	could	AUX
faba-33	179	7	be	be	AUX
faba-33	179	8	explained	explain	VERB
faba-33	179	9	is	be	AUX
faba-33	179	10	the	the	DET
faba-33	179	11	fact	fact	NOUN
faba-33	179	12	that	that	SCONJ
faba-33	179	13	initially	initially	ADV
faba-33	179	14	in	in	ADP
faba-33	179	15	2007	2007	NUM
faba-33	179	16	and	and	CCONJ
faba-33	179	17	2009	2009	NUM
faba-33	179	18	when	when	SCONJ
faba-33	179	19	the	the	DET
faba-33	179	20	decreasing	decrease	VERB
faba-33	179	21	trendline	trendline	NOUN
faba-33	179	22	started	start	VERB
faba-33	179	23	,	,	PUNCT
faba-33	179	24	the	the	DET
faba-33	179	25	levels	level	NOUN
faba-33	179	26	of	of	ADP
faba-33	179	27	interest	interest	NOUN
faba-33	179	28	rates	rate	NOUN
faba-33	179	29	in	in	ADP
faba-33	179	30	all	all	DET
faba-33	179	31	products	product	NOUN
faba-33	179	32	in	in	ADP
faba-33	179	33	bulgaria	bulgaria	PROPN
faba-33	179	34	were	be	AUX
faba-33	179	35	much	much	ADV
faba-33	179	36	higher	high	ADJ
faba-33	179	37	than	than	ADP
faba-33	179	38	those	those	PRON
faba-33	179	39	of	of	ADP
faba-33	179	40	germany	germany	PROPN
faba-33	179	41	,	,	PUNCT
faba-33	179	42	so	so	SCONJ
faba-33	179	43	that	that	SCONJ
faba-33	179	44	they	they	PRON
faba-33	179	45	had	have	VERB
faba-33	179	46	more	more	ADJ
faba-33	179	47	value	value	NOUN
faba-33	179	48	to	to	PART
faba-33	179	49	lose	lose	VERB
faba-33	179	50	until	until	ADP
faba-33	179	51	reaching	reach	VERB
faba-33	179	52	the	the	DET
faba-33	179	53	zlb	zlb	PROPN
faba-33	179	54	.	.	PROPN
faba-33	180	1	from	from	ADP
faba-33	180	2	7,24	7,24	NUM
faba-33	180	3	%	%	NOUN
faba-33	180	4	in	in	ADP
faba-33	180	5	2010	2010	NUM
faba-33	180	6	they	they	PRON
faba-33	180	7	went	go	VERB
faba-33	180	8	to	to	ADP
faba-33	180	9	1	1	NUM
faba-33	180	10	percent	percent	NOUN
faba-33	180	11	to	to	ADP
faba-33	180	12	2016	2016	NUM
faba-33	180	13	(	(	PUNCT
faba-33	180	14	for	for	ADP
faba-33	180	15	short	short	ADJ
faba-33	180	16	term	term	NOUN
faba-33	180	17	deposits	deposit	NOUN
faba-33	180	18	in	in	ADP
faba-33	180	19	bgn	bgn	NOUN
faba-33	180	20	for	for	ADP
faba-33	180	21	households	household	NOUN
faba-33	180	22	)	)	PUNCT
faba-33	180	23	.	.	PUNCT
faba-33	181	1	furthermore	furthermore	ADV
faba-33	181	2	,	,	PUNCT
faba-33	181	3	after	after	SCONJ
faba-33	181	4	they	they	PRON
faba-33	181	5	reached	reach	VERB
faba-33	181	6	1	1	NUM
faba-33	181	7	%	%	NOUN
faba-33	181	8	,	,	PUNCT
faba-33	181	9	practically	practically	ADV
faba-33	181	10	became	become	VERB
faba-33	181	11	zero	zero	NUM
faba-33	181	12	for	for	ADP
faba-33	181	13	the	the	DET
faba-33	181	14	last	last	ADJ
faba-33	181	15	2	2	NUM
faba-33	181	16	years	year	NOUN
faba-33	181	17	,	,	PUNCT
faba-33	181	18	they	they	PRON
faba-33	181	19	stayed	stay	VERB
faba-33	181	20	at	at	ADP
faba-33	181	21	this	this	DET
faba-33	181	22	level	level	NOUN
faba-33	181	23	and	and	CCONJ
faba-33	181	24	no	no	DET
faba-33	181	25	further	further	ADJ
faba-33	181	26	changes	change	NOUN
faba-33	181	27	are	be	AUX
faba-33	181	28	observed	observe	VERB
faba-33	181	29	.	.	PUNCT
faba-33	182	1	contributions	contribution	NOUN
faba-33	182	2	and	and	CCONJ
faba-33	182	3	future	future	ADJ
faba-33	182	4	studies	study	NOUN
faba-33	182	5	the	the	DET
faba-33	182	6	main	main	ADJ
faba-33	182	7	question	question	NOUN
faba-33	182	8	is	be	AUX
faba-33	182	9	if	if	SCONJ
faba-33	182	10	this	this	DET
faba-33	182	11	policy	policy	NOUN
faba-33	182	12	of	of	ADP
faba-33	182	13	keeping	keep	VERB
faba-33	182	14	for	for	ADP
faba-33	182	15	many	many	ADJ
faba-33	182	16	years	year	NOUN
faba-33	182	17	interest	interest	NOUN
faba-33	182	18	rates	rate	NOUN
faba-33	182	19	in	in	ADP
faba-33	182	20	the	the	DET
faba-33	182	21	zero	zero	NUM
faba-33	182	22	area	area	NOUN
faba-33	182	23	is	be	AUX
faba-33	182	24	a	a	DET
faba-33	182	25	good	good	ADJ
faba-33	182	26	one	one	NOUN
faba-33	182	27	.	.	PUNCT
faba-33	183	1	as	as	SCONJ
faba-33	183	2	it	it	PRON
faba-33	183	3	was	be	AUX
faba-33	183	4	quoted	quote	VERB
faba-33	183	5	in	in	ADP
faba-33	183	6	the	the	DET
faba-33	183	7	introduction	introduction	NOUN
faba-33	183	8	there	there	PRON
faba-33	183	9	are	be	VERB
faba-33	183	10	different	different	ADJ
faba-33	183	11	views	view	NOUN
faba-33	183	12	of	of	ADP
faba-33	183	13	experts	expert	NOUN
faba-33	183	14	.	.	PUNCT
faba-33	184	1	indeed	indeed	ADV
faba-33	184	2	,	,	PUNCT
faba-33	184	3	the	the	DET
faba-33	184	4	low	low	ADJ
faba-33	184	5	interest	interest	NOUN
faba-33	184	6	rate	rate	NOUN
faba-33	184	7	policy	policy	NOUN
faba-33	184	8	in	in	ADP
faba-33	184	9	the	the	DET
faba-33	184	10	eu	eu	PROPN
faba-33	184	11	has	have	AUX
faba-33	184	12	led	lead	VERB
faba-33	184	13	up	up	ADP
faba-33	184	14	to	to	ADP
faba-33	184	15	the	the	DET
faba-33	184	16	end	end	NOUN
faba-33	184	17	of	of	ADP
faba-33	184	18	2019	2019	NUM
faba-33	184	19	to	to	ADP
faba-33	184	20	economic	economic	ADJ
faba-33	184	21	growth	growth	NOUN
faba-33	184	22	and	and	CCONJ
faba-33	184	23	low	low	ADJ
faba-33	184	24	unemployment	unemployment	NOUN
faba-33	184	25	rates	rate	NOUN
faba-33	184	26	in	in	ADP
faba-33	184	27	most	most	ADJ
faba-33	184	28	of	of	ADP
faba-33	184	29	the	the	DET
faba-33	184	30	member	member	NOUN
faba-33	184	31	states	state	NOUN
faba-33	184	32	.	.	PUNCT
faba-33	185	1	but	but	CCONJ
faba-33	185	2	we	we	PRON
faba-33	185	3	must	must	AUX
faba-33	185	4	remember	remember	VERB
faba-33	185	5	that	that	SCONJ
faba-33	185	6	this	this	DET
faba-33	185	7	policy	policy	NOUN
faba-33	185	8	is	be	AUX
faba-33	185	9	a	a	DET
faba-33	185	10	crisis	crisis	NOUN
faba-33	185	11	policy	policy	NOUN
faba-33	185	12	and	and	CCONJ
faba-33	185	13	should	should	AUX
faba-33	185	14	be	be	AUX
faba-33	185	15	applied	apply	VERB
faba-33	185	16	in	in	ADP
faba-33	185	17	a	a	DET
faba-33	185	18	short	short	ADJ
faba-33	185	19	time	time	NOUN
faba-33	185	20	.	.	PUNCT
faba-33	186	1	now	now	ADV
faba-33	186	2	,	,	PUNCT
faba-33	186	3	the	the	DET
faba-33	186	4	world	world	NOUN
faba-33	186	5	has	have	AUX
faba-33	186	6	faced	face	VERB
faba-33	186	7	a	a	DET
faba-33	186	8	crisis	crisis	NOUN
faba-33	186	9	of	of	ADP
faba-33	186	10	a	a	DET
faba-33	186	11	new	new	ADJ
faba-33	186	12	scale	scale	NOUN
faba-33	186	13	–	–	PUNCT
faba-33	186	14	the	the	DET
faba-33	186	15	covid-19	covid-19	PROPN
faba-33	186	16	pandemic	pandemic	NOUN
faba-33	186	17	caused	cause	VERB
faba-33	186	18	an	an	DET
faba-33	186	19	unprecedent	unprecedent	NOUN
faba-33	186	20	shut	shut	VERB
faba-33	186	21	down	down	ADP
faba-33	186	22	of	of	ADP
faba-33	186	23	whole	whole	ADJ
faba-33	186	24	sectors	sector	NOUN
faba-33	186	25	and	and	CCONJ
faba-33	186	26	made	make	VERB
faba-33	186	27	many	many	ADJ
faba-33	186	28	people	people	NOUN
faba-33	186	29	to	to	PART
faba-33	186	30	stay	stay	VERB
faba-33	186	31	home	home	ADV
faba-33	186	32	for	for	ADP
faba-33	186	33	months	month	NOUN
faba-33	186	34	.	.	PUNCT
faba-33	187	1	the	the	DET
faba-33	187	2	currents	current	NOUN
faba-33	187	3	suggestions	suggestion	NOUN
faba-33	187	4	are	be	AUX
faba-33	187	5	that	that	SCONJ
faba-33	187	6	this	this	PRON
faba-33	187	7	will	will	AUX
faba-33	187	8	be	be	AUX
faba-33	187	9	may	may	AUX
faba-33	187	10	be	be	AUX
faba-33	187	11	a	a	DET
faba-33	187	12	bigger	big	ADJ
faba-33	187	13	crisis	crisis	NOUN
faba-33	187	14	than	than	ADP
faba-33	187	15	all	all	PRON
faba-33	187	16	of	of	ADP
faba-33	187	17	those	those	PRON
faba-33	187	18	seen	see	VERB
faba-33	187	19	so	so	ADV
faba-33	187	20	far	far	ADV
faba-33	187	21	.	.	PUNCT
faba-33	188	1	the	the	DET
faba-33	188	2	question	question	NOUN
faba-33	188	3	is	be	AUX
faba-33	188	4	how	how	SCONJ
faba-33	188	5	central	central	ADJ
faba-33	188	6	banks	bank	NOUN
faba-33	188	7	will	will	AUX
faba-33	188	8	react	react	VERB
faba-33	188	9	to	to	ADP
faba-33	188	10	that	that	PRON
faba-33	188	11	in	in	ADP
faba-33	188	12	the	the	DET
faba-33	188	13	context	context	NOUN
faba-33	188	14	of	of	ADP
faba-33	188	15	the	the	DET
faba-33	188	16	current	current	ADJ
faba-33	188	17	nirp	nirp	NOUN
faba-33	188	18	.	.	PUNCT
faba-33	189	1	they	they	PRON
faba-33	189	2	have	have	AUX
faba-33	189	3	voluntarily	voluntarily	ADV
faba-33	189	4	cut	cut	VERB
faba-33	189	5	their	their	PRON
faba-33	189	6	further	further	ADJ
faba-33	189	7	abilities	ability	NOUN
faba-33	189	8	to	to	PART
faba-33	189	9	use	use	VERB
faba-33	189	10	the	the	DET
faba-33	189	11	interest	interest	NOUN
faba-33	189	12	rates	rate	NOUN
faba-33	189	13	as	as	ADP
faba-33	189	14	a	a	DET
faba-33	189	15	monetary	monetary	ADJ
faba-33	189	16	tool	tool	NOUN
faba-33	189	17	as	as	SCONJ
faba-33	189	18	they	they	PRON
faba-33	189	19	have	have	VERB
faba-33	189	20	no	no	DET
faba-33	189	21	more	more	ADV
faba-33	189	22	expansionary	expansionary	ADJ
faba-33	189	23	options	option	NOUN
faba-33	189	24	when	when	SCONJ
faba-33	189	25	the	the	DET
faba-33	189	26	rates	rate	NOUN
faba-33	189	27	are	be	AUX
faba-33	189	28	below	below	ADP
faba-33	189	29	zero	zero	NUM
faba-33	189	30	.	.	PUNCT
faba-33	190	1	that	that	PRON
faba-33	190	2	will	will	AUX
faba-33	190	3	certainly	certainly	ADV
faba-33	190	4	make	make	VERB
faba-33	190	5	them	they	PRON
faba-33	190	6	think	think	VERB
faba-33	190	7	of	of	ADP
faba-33	190	8	other	other	ADJ
faba-33	190	9	approaches	approach	NOUN
faba-33	190	10	of	of	ADP
faba-33	190	11	the	the	DET
faba-33	190	12	monetary	monetary	ADJ
faba-33	190	13	policy	policy	NOUN
faba-33	190	14	,	,	PUNCT
faba-33	190	15	but	but	CCONJ
faba-33	190	16	it	it	PRON
faba-33	190	17	will	will	AUX
faba-33	190	18	be	be	AUX
faba-33	190	19	difficult	difficult	ADJ
faba-33	190	20	with	with	ADP
faba-33	190	21	the	the	DET
faba-33	190	22	current	current	ADJ
faba-33	190	23	interest	interest	NOUN
faba-33	190	24	rates	rate	NOUN
faba-33	190	25	.	.	PUNCT
faba-33	191	1	very	very	ADV
faba-33	191	2	high	high	ADJ
faba-33	191	3	probability	probability	NOUN
faba-33	191	4	is	be	AUX
faba-33	191	5	to	to	PART
faba-33	191	6	observe	observe	VERB
faba-33	191	7	an	an	DET
faba-33	191	8	increase	increase	NOUN
faba-33	191	9	in	in	ADP
faba-33	191	10	the	the	DET
faba-33	191	11	interest	interest	NOUN
faba-33	191	12	rates	rate	NOUN
faba-33	191	13	on	on	ADP
faba-33	191	14	government	government	NOUN
faba-33	191	15	bonds	bond	NOUN
faba-33	191	16	,	,	PUNCT
faba-33	191	17	as	as	SCONJ
faba-33	191	18	the	the	DET
faba-33	191	19	countries	country	NOUN
faba-33	191	20	will	will	AUX
faba-33	191	21	have	have	VERB
faba-33	191	22	to	to	PART
faba-33	191	23	borrow	borrow	VERB
faba-33	191	24	more	more	ADJ
faba-33	191	25	to	to	PART
faba-33	191	26	cover	cover	VERB
faba-33	191	27	the	the	DET
faba-33	191	28	budget	budget	NOUN
faba-33	191	29	deficit	deficit	NOUN
faba-33	191	30	they	they	PRON
faba-33	191	31	will	will	AUX
faba-33	191	32	face	face	VERB
faba-33	191	33	caused	cause	VERB
faba-33	191	34	to	to	ADP
faba-33	191	35	the	the	DET
faba-33	191	36	lower	low	ADJ
faba-33	191	37	revenues	revenue	NOUN
faba-33	191	38	.	.	PUNCT
faba-33	192	1	the	the	DET
faba-33	192	2	worse	bad	ADJ
faba-33	192	3	situation	situation	NOUN
faba-33	192	4	of	of	ADP
faba-33	192	5	state	state	NOUN
faba-33	192	6	finances	finance	NOUN
faba-33	192	7	for	for	ADP
faba-33	192	8	all	all	DET
faba-33	192	9	countries	country	NOUN
faba-33	192	10	,	,	PUNCT
faba-33	192	11	and	and	CCONJ
faba-33	192	12	especially	especially	ADV
faba-33	192	13	for	for	ADP
faba-33	192	14	those	those	PRON
faba-33	192	15	that	that	PRON
faba-33	192	16	have	have	AUX
faba-33	192	17	faced	face	VERB
faba-33	192	18	more	more	ADV
faba-33	192	19	sever	sever	VERB
faba-33	192	20	covid-19	covid-19	PROPN
faba-33	192	21	crisis	crisis	NOUN
faba-33	192	22	will	will	AUX
faba-33	192	23	lead	lead	VERB
faba-33	192	24	to	to	ADP
faba-33	192	25	higher	high	ADJ
faba-33	192	26	indebtedness	indebtedness	NOUN
faba-33	192	27	and	and	CCONJ
faba-33	192	28	that	that	PRON
faba-33	192	29	will	will	AUX
faba-33	192	30	probably	probably	ADV
faba-33	192	31	boost	boost	VERB
faba-33	192	32	the	the	DET
faba-33	192	33	interest	interest	NOUN
faba-33	192	34	rates	rate	NOUN
faba-33	192	35	up	up	ADP
faba-33	192	36	.	.	PUNCT
faba-33	193	1	in	in	ADP
faba-33	193	2	the	the	DET
faba-33	193	3	next	next	ADJ
faba-33	193	4	few	few	ADJ
faba-33	193	5	years	year	NOUN
faba-33	193	6	,	,	PUNCT
faba-33	193	7	the	the	DET
faba-33	193	8	consequences	consequence	NOUN
faba-33	193	9	of	of	ADP
faba-33	193	10	the	the	DET
faba-33	193	11	nirp	nirp	NOUN
faba-33	193	12	will	will	AUX
faba-33	193	13	show	show	VERB
faba-33	193	14	its	its	PRON
faba-33	193	15	result	result	NOUN
faba-33	193	16	.	.	PUNCT
faba-33	194	1	diyana	diyana	PROPN
faba-33	194	2	miteva	miteva	PROPN
faba-33	194	3	/	/	SYM
faba-33	194	4	finance	finance	NOUN
faba-33	194	5	,	,	PUNCT
faba-33	194	6	accounting	accounting	NOUN
faba-33	194	7	and	and	CCONJ
faba-33	194	8	business	business	NOUN
faba-33	194	9	analysis	analysis	NOUN
faba-33	194	10	2	2	NUM
faba-33	194	11	(	(	PUNCT
faba-33	194	12	1	1	NUM
faba-33	194	13	)	)	PUNCT
faba-33	194	14	2020	2020	NUM
faba-33	194	15	51	51	NUM
faba-33	194	16	references	reference	NOUN
faba-33	194	17	association	association	NOUN
faba-33	194	18	of	of	ADP
faba-33	194	19	banks	bank	NOUN
faba-33	194	20	in	in	ADP
faba-33	194	21	bulgaria	bulgaria	PROPN
faba-33	194	22	,	,	PUNCT
faba-33	194	23	the	the	DET
faba-33	194	24	economy	economy	NOUN
faba-33	194	25	and	and	CCONJ
faba-33	194	26	banking	banking	NOUN
faba-33	194	27	sector	sector	NOUN
faba-33	194	28	in	in	ADP
faba-33	194	29	bulgaria	bulgaria	PROPN
faba-33	194	30	in	in	ADP
faba-33	194	31	2019	2019	NUM
faba-33	194	32	(	(	PUNCT
faba-33	194	33	in	in	ADP
faba-33	194	34	bulgarian	bulgarian	NOUN
faba-33	194	35	)	)	PUNCT
faba-33	194	36	,	,	PUNCT
faba-33	194	37	abb	abb	PROPN
faba-33	194	38	series	series	NOUN
faba-33	194	39	,	,	PUNCT
faba-33	194	40	2020	2020	NUM
faba-33	194	41	https://abanksb.bg/downloads/annual-information/2019-review-bg.pdf	https://abanksb.bg/downloads/annual-information/2019-review-bg.pdf	PROPN
faba-33	194	42	(	(	PUNCT
faba-33	194	43	last	last	ADV
faba-33	194	44	visited	visit	VERB
faba-33	194	45	on	on	ADP
faba-33	194	46	may	may	PROPN
faba-33	194	47	,	,	PUNCT
faba-33	194	48	3	3	NUM
faba-33	194	49	,	,	PUNCT
faba-33	194	50	2020	2020	NUM
faba-33	194	51	)	)	PUNCT
faba-33	194	52	altavilla	altavilla	PROPN
faba-33	194	53	c.	c.	PROPN
faba-33	194	54	,	,	PUNCT
faba-33	194	55	burlon	burlon	PROPN
faba-33	194	56	l.	l.	PROPN
faba-33	194	57	,	,	PUNCT
faba-33	194	58	giannetti	giannetti	PROPN
faba-33	194	59	m.	m.	NOUN
faba-33	194	60	,	,	PUNCT
faba-33	194	61	holton	holton	PROPN
faba-33	194	62	s.	s.	PROPN
faba-33	194	63	,	,	PUNCT
faba-33	194	64	is	be	AUX
faba-33	194	65	there	there	PRON
faba-33	194	66	a	a	DET
faba-33	194	67	zero	zero	NUM
faba-33	194	68	-	-	PUNCT
faba-33	194	69	lower	low	ADJ
faba-33	194	70	bound	bind	VERB
faba-33	194	71	?	?	PUNCT
faba-33	195	1	the	the	DET
faba-33	195	2	effects	effect	NOUN
faba-33	195	3	of	of	ADP
faba-33	195	4	negative	negative	ADJ
faba-33	195	5	policy	policy	NOUN
faba-33	195	6	rates	rate	NOUN
faba-33	195	7	on	on	ADP
faba-33	195	8	banks	bank	NOUN
faba-33	195	9	and	and	CCONJ
faba-33	195	10	firms	firm	NOUN
faba-33	195	11	,	,	PUNCT
faba-33	195	12	ecb	ecb	PROPN
faba-33	195	13	wp	wp	PROPN
faba-33	195	14	series	series	PROPN
faba-33	195	15	no	no	DET
faba-33	195	16	2289	2289	NUM
faba-33	195	17	/	/	SYM
faba-33	195	18	june	june	PROPN
faba-33	195	19	2019	2019	NUM
faba-33	195	20	.	.	PUNCT
faba-33	196	1	gechev	gechev	ADJ
faba-33	196	2	rumen	ruman	NOUN
faba-33	196	3	,	,	PUNCT
faba-33	196	4	beev	beev	X
faba-33	196	5	ivailo	ivailo	PROPN
faba-33	196	6	,	,	PUNCT
faba-33	196	7	hristozov	hristozov	PROPN
faba-33	196	8	yanko	yanko	PROPN
faba-33	196	9	,	,	PUNCT
faba-33	196	10	2020	2020	NUM
faba-33	196	11	.	.	PUNCT
faba-33	197	1	"	"	PUNCT
faba-33	197	2	expected	expect	VERB
faba-33	197	3	effects	effect	NOUN
faba-33	197	4	of	of	ADP
faba-33	197	5	the	the	DET
faba-33	197	6	euro	euro	NOUN
faba-33	197	7	adoption	adoption	NOUN
faba-33	197	8	in	in	ADP
faba-33	197	9	bulgaria	bulgaria	PROPN
faba-33	197	10	,	,	PUNCT
faba-33	197	11	"	"	PUNCT
faba-33	197	12	economic	economic	ADJ
faba-33	197	13	studies	study	NOUN
faba-33	197	14	journal	journal	NOUN
faba-33	197	15	,	,	PUNCT
faba-33	197	16	bulgarian	bulgarian	PROPN
faba-33	197	17	academy	academy	PROPN
faba-33	197	18	of	of	ADP
faba-33	197	19	sciences	sciences	PROPN
faba-33	197	20	economic	economic	PROPN
faba-33	197	21	research	research	PROPN
faba-33	197	22	institute	institute	PROPN
faba-33	197	23	,	,	PUNCT
faba-33	197	24	issue	issue	NOUN
faba-33	197	25	2	2	NUM
faba-33	197	26	,	,	PUNCT
faba-33	197	27	pages	page	NOUN
faba-33	197	28	19	19	NUM
faba-33	197	29	-	-	SYM
faba-33	197	30	44	44	NUM
faba-33	197	31	.	.	PUNCT
faba-33	197	32	eggertsson	eggertsson	PROPN
faba-33	197	33	g.	g.	PROPN
faba-33	197	34	,	,	PUNCT
faba-33	197	35	juelsrud	juelsrud	PROPN
faba-33	197	36	ragnar	ragnar	PROPN
faba-33	197	37	,	,	PUNCT
faba-33	197	38	summers	summers	PROPN
faba-33	197	39	l.	l.	PROPN
faba-33	197	40	,	,	PUNCT
faba-33	197	41	wold	wold	PROPN
faba-33	197	42	e.	e.	PROPN
faba-33	197	43	,	,	PUNCT
faba-33	197	44	negative	negative	ADJ
faba-33	197	45	nominal	nominal	ADJ
faba-33	197	46	interest	interest	NOUN
faba-33	197	47	rates	rate	NOUN
faba-33	197	48	and	and	CCONJ
faba-33	197	49	the	the	DET
faba-33	197	50	bank	bank	NOUN
faba-33	197	51	lending	lending	PROPN
faba-33	197	52	channel	channel	PROPN
faba-33	197	53	,	,	PUNCT
faba-33	197	54	nber	nber	PROPN
faba-33	197	55	working	working	PROPN
faba-33	197	56	paper	paper	PROPN
faba-33	197	57	series	series	NOUN
faba-33	197	58	,	,	PUNCT
faba-33	197	59	wp	wp	PROPN
faba-33	197	60	25416	25416	NUM
faba-33	197	61	,	,	PUNCT
faba-33	197	62	2019	2019	NUM
faba-33	197	63	.	.	PUNCT
faba-33	198	1	http://www.nber.org/papers/w25416	http://www.nber.org/papers/w25416	INTJ
faba-33	198	2	kay	kay	PROPN
faba-33	198	3	b.	b.	PROPN
faba-33	198	4	,	,	PUNCT
faba-33	198	5	implications	implication	NOUN
faba-33	198	6	of	of	ADP
faba-33	198	7	central	central	ADJ
faba-33	198	8	banks	bank	NOUN
faba-33	198	9	’	’	PART
faba-33	198	10	negative	negative	ADJ
faba-33	198	11	policy	policy	NOUN
faba-33	198	12	rates	rate	NOUN
faba-33	198	13	on	on	ADP
faba-33	198	14	financial	financial	ADJ
faba-33	198	15	stability	stability	NOUN
faba-33	198	16	,	,	PUNCT
faba-33	198	17	journal	journal	NOUN
faba-33	198	18	of	of	ADP
faba-33	198	19	financial	financial	ADJ
faba-33	198	20	economic	economic	ADJ
faba-33	198	21	policy	policy	NOUN
faba-33	198	22	vol.10	vol.10	NOUN
faba-33	198	23	,	,	PUNCT
faba-33	198	24	no.2	no.2	PROPN
faba-33	198	25	,	,	PUNCT
faba-33	198	26	2018	2018	NUM
faba-33	198	27	.	.	PUNCT
faba-33	199	1	swiss	swiss	ADJ
faba-33	199	2	bank	bank	PROPN
faba-33	199	3	associations	association	NOUN
faba-33	199	4	,	,	PUNCT
faba-33	199	5	negative	negative	ADJ
faba-33	199	6	interest	interest	NOUN
faba-33	199	7	rates	rate	NOUN
faba-33	199	8	:	:	PUNCT
faba-33	199	9	from	from	ADP
faba-33	199	10	emergency	emergency	NOUN
faba-33	199	11	measure	measure	NOUN
faba-33	199	12	to	to	ADP
faba-33	199	13	the	the	DET
faba-33	199	14	“	"	PUNCT
faba-33	199	15	new	new	ADJ
faba-33	199	16	normal	normal	ADJ
faba-33	199	17	”	"	PUNCT
faba-33	199	18	–	–	PUNCT
faba-33	199	19	and	and	CCONJ
faba-33	199	20	back	back	ADV
faba-33	199	21	?	?	PUNCT
faba-33	200	1	october	october	PROPN
faba-33	200	2	2019	2019	NUM
faba-33	200	3	.	.	PUNCT
faba-33	201	1	data	datum	NOUN
faba-33	201	2	sources	source	NOUN
faba-33	201	3	and	and	CCONJ
faba-33	201	4	media	medium	NOUN
faba-33	201	5	articles	article	NOUN
faba-33	201	6	:	:	PUNCT
faba-33	201	7	bulgarian	bulgarian	PROPN
faba-33	201	8	national	national	PROPN
faba-33	201	9	bank	bank	PROPN
faba-33	201	10	,	,	PUNCT
faba-33	201	11	statistics	statistic	NOUN
faba-33	201	12	,	,	PUNCT
faba-33	201	13	http://bnb.bg/statistics/stmonetaryinterestrate/stmonetarysurvey/index.htm?tolang=_en	http://bnb.bg/statistics/stmonetaryinterestrate/stmonetarysurvey/index.htm?tolang=_en	PROPN
faba-33	201	14	(	(	PUNCT
faba-33	201	15	last	last	ADJ
faba-33	201	16	visited	visit	VERB
faba-33	201	17	2.5.2020	2.5.2020	NUM
faba-33	201	18	)	)	PUNCT
faba-33	201	19	.	.	PUNCT
faba-33	202	1	deutsche	deutsche	PROPN
faba-33	202	2	bundesbank	bundesbank	PROPN
faba-33	202	3	statistics	statistics	PROPN
faba-33	202	4	,	,	PUNCT
faba-33	202	5	https://www.bundesbank.de/dynamic/action/en/statistics/time-seriesdatabases/time-series-databases/759784/759784?listid=www_s510_ph2_neu	https://www.bundesbank.de/dynamic/action/en/statistics/time-seriesdatabases/time-series-databases/759784/759784?listid=www_s510_ph2_neu	X
faba-33	202	6	(	(	PUNCT
faba-33	202	7	last	last	ADV
faba-33	202	8	visited	visit	VERB
faba-33	202	9	on	on	ADP
faba-33	202	10	30.04.2020	30.04.2020	NUM
faba-33	202	11	)	)	PUNCT
faba-33	202	12	.	.	PUNCT
faba-33	203	1	financial	financial	ADJ
faba-33	203	2	times	time	NOUN
faba-33	203	3	,	,	PUNCT
faba-33	203	4	the	the	DET
faba-33	203	5	dangers	danger	NOUN
faba-33	203	6	of	of	ADP
faba-33	203	7	negative	negative	ADJ
faba-33	203	8	interest	interest	NOUN
faba-33	203	9	rates	rate	NOUN
faba-33	203	10	,	,	PUNCT
faba-33	203	11	07/10/2019	07/10/2019	NUM
faba-33	203	12	,	,	PUNCT
faba-33	203	13	https://moneyweek.com/516133/the-dangers-of-negative-interest-rates/	https://moneyweek.com/516133/the-dangers-of-negative-interest-rates/	PROPN
faba-33	203	14	(	(	PUNCT
faba-33	203	15	last	last	ADV
faba-33	203	16	visited	visit	VERB
faba-33	203	17	on	on	ADP
faba-33	203	18	1.11.2019	1.11.2019	NUM
faba-33	203	19	)	)	PUNCT
faba-33	203	20	financial	financial	ADJ
faba-33	203	21	times	time	NOUN
faba-33	203	22	,	,	PUNCT
faba-33	203	23	unicredit	unicredit	NOUN
faba-33	203	24	chief	chief	NOUN
faba-33	203	25	urges	urge	NOUN
faba-33	203	26	rethink	rethink	VERB
faba-33	203	27	on	on	ADP
faba-33	203	28	negative	negative	ADJ
faba-33	203	29	rates	rate	NOUN
faba-33	203	30	complaints	complaint	NOUN
faba-33	203	31	,	,	PUNCT
faba-33	203	32	1.10.2019	1.10.2019	NUM
faba-33	203	33	https://www.ft.com/content/6406e7a4-e399-11e9-9743-db5a370481bc	https://www.ft.com/content/6406e7a4-e399-11e9-9743-db5a370481bc	PROPN
faba-33	203	34	(	(	PUNCT
faba-33	203	35	last	last	ADV
faba-33	203	36	visited	visit	VERB
faba-33	203	37	on	on	ADP
faba-33	203	38	1.11.2020	1.11.2020	NUM
faba-33	203	39	)	)	PUNCT
faba-33	203	40	https://abanksb.bg/downloads/annual-information/2019-review-bg.pdf	https://abanksb.bg/downloads/annual-information/2019-review-bg.pdf	PROPN
faba-33	203	41	https://ideas.repec.org/a/bas/econst/y2020i2p19-44.html	https://ideas.repec.org/a/bas/econst/y2020i2p19-44.html	PROPN
faba-33	203	42	https://ideas.repec.org/a/bas/econst/y2020i2p19-44.html	https://ideas.repec.org/a/bas/econst/y2020i2p19-44.html	PROPN
faba-33	203	43	https://ideas.repec.org/s/bas/econst.html	https://ideas.repec.org/s/bas/econst.html	PRON
faba-33	203	44	http://bnb.bg/statistics/stmonetaryinterestrate/stmonetarysurvey/index.htm?tolang=_en	http://bnb.bg/statistics/stmonetaryinterestrate/stmonetarysurvey/index.htm?tolang=_en	ADP
faba-33	203	45	https://www.bundesbank.de/dynamic/action/en/statistics/time-series-databases/time-series-databases/759784/759784?listid=www_s510_ph2_neu	https://www.bundesbank.de/dynamic/action/en/statistics/time-series-databases/time-series-databases/759784/759784?listid=www_s510_ph2_neu	NOUN
faba-33	203	46	https://www.bundesbank.de/dynamic/action/en/statistics/time-series-databases/time-series-databases/759784/759784?listid=www_s510_ph2_neu	https://www.bundesbank.de/dynamic/action/en/statistics/time-series-databases/time-series-databases/759784/759784?listid=www_s510_ph2_neu	X
faba-33	204	1	https://moneyweek.com/516133/the-dangers-of-negative-interest-rates/	https://moneyweek.com/516133/the-dangers-of-negative-interest-rates/	PROPN
faba-33	204	2	https://www.ft.com/content/6406e7a4-e399-11e9-9743-db5a370481bc	https://www.ft.com/content/6406e7a4-e399-11e9-9743-db5a370481bc	PROPN